document.write('     <div class="promo "><!-- Dynamic Section Widget -  Type 18 --><div class="section-widget"><div class="text-image-left"><!-- Widget Image --><p class="image-caption"></p></div><div class="subwidget first"><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/02/13/how-to-meet-your-future-selfand-save.html\' >How to Meet Your Future Self—and Save</a></h3><p>                                      Groundbreaking research on how to boost retirement savings uses high-tech digital technology, but you can get the same results at home.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/13/can-debt-collectors-contact-you-via-social-media.html\' >Can Debt Collectors Contact You via Social Media?</a></h3><p>                                      Strategies to preempt unwanted calls or other communication from collectors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/02/13/5-reasons-its-ok-to-feel-good-about-the-economy.html\' >5 Reasons It\'s OK to Feel Good About the Economy</a></h3><p>                                      Loud voices and extreme views get attention, but the story for most Americans is quieter and better.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/13/how-long-should-i-work-before-retirement.html\' >How Long Should I Work Before Retirement?</a></h3><p>                                      Delaying retirement can significantly boost your nest egg.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/13/4-free-last-minute-valentines-day-date-ideas.html\' >4 Free Last-Minute Valentine\'s Day Date Ideas</a></h3><p>                                      Dropped the ball in planning a special date? Here are some ideas that don\'t require advance reservations or planning.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/02/13/how-much-will-that-little-bundle-of-joy-cost-you-try-163000.html\' >How Much Will That Little Bundle Of Joy Cost You? Try $163,000</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The costs of raising a child are on the rise.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/13/10-ways-email-can-derail-your-job-chances.html\' >10 Ways Email Can Derail Your Job Chances</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Your email etiquette could be ruining your chances of landing a job interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/10/homeowners-receive-25-billion-settlement-but-is-it-enough.html\' >Homeowners Receive $25 Billion Mortgage Settlement, But Is It Enough?</a></h3><p>                                      If you think you\'ve got some money coming to you, don\'t get too excited yet.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/10/growing-interest-in-part-time-retirement.html\' >Growing Interest in Part-Time Retirement</a></h3><p>                                      Baby boomers say they aren’t ready to completely leave the workforce.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/02/10/do-you-face-money-death-in-old-age.html\' >Do You Face \'Money Death\' in Old Age?</a></h3><p>                                      Consider these investment and spending issues to make sure you don’t outlive your assets.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/10/dining-out-on-a-budget.html\' >Dining Out on a Budget</a></h3><p>                                      How to enjoy dining at restaurants without breaking the bank.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/02/10/is-it-time-to-sell-your-stocks-and-run-for-cover-.html\' >Is It Time to Sell Your Stocks and Run For Cover? </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Market timing doesn\'t work.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/10/how-to-relocate-for-a-job-or-internship.html\' >How to Relocate for a Job or Internship</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Five tips to make moving for work more manageable.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/09/is-it-time-for-investors-to-show-russia-some-love.html\' >Is it Time for Investors to Show Russia Some Love?</a></h3><p>                                      Politics dominate now, but long-term draws include middle-class and infrastructure growth.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/02/09/4-keys-to-a-solid-financial-and-retirement-plan.html\' >4 Keys to a Solid Financial and Retirement Plan</a></h3><p>                                      Use past years’ spending and investment records to chart a path to your longer-term goals.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/09/david-swensen-advises-index-funds.html\' >David Swensen Advises Index Funds</a></h3><p>                                      Yale’s chief investment officer says most individual investors should choose low-cost funds.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/09/how-to-prioritize-saving-in-a-401k-and-roth-ira.html\' >How to Prioritize Saving in a 401(k) and Roth IRA</a></h3><p>                                      Here’s how to tell if your employer’s plan is better than an IRA.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/09/3-lessons-entrepreneurs-can-learn-from-practicing-yoga.html\' >3 Lessons Entrepreneurs Can Learn From Practicing Yoga</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These yoga principles can help you find your center—in business and in life.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/09/get-your-foot-in-the-door-as-a-contractor.html\' >Get Your Foot in the Door as a Contractor</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Staying open to contract work could position you for your next great gig.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/02/09/turns-out-this-recovery-may-be-for-real.html\' >Turns Out This Recovery May Be For Real</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      There\'s more to it than the naysayers acknowledge.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/09/new-hampshire-weighs-credit-card-swipe-fee-limit.html\' >How New Hampshire\'s Proposed Swipe-Fee Cap Could Hurt Consumers</a></h3><p>                                      How passage of the bill could hurt consumers more than help them.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/08/the-cost-of-a-good-nights-sleep.html\' >The Cost of a Good Night\'s Sleep</a></h3><p>                                      From prescriptions to top-of-the-line mattresses, some consumers shell out a lot for shut-eye.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/02/08/why-almost-everyone-needs-a-prenup.html\' >Why Almost Everyone Needs a Prenup</a></h3><p>                                      Even married couples might want to consider revisiting what would happen in the event of a divorce.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/08/tax-tips-for-americans-living-abroad.html\' >Tax Tips for Americans Living Abroad</a></h3><p>                                      For Americans residing outside of the country, tax headaches await.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/08/gen-x-women-continue-to-shrink-gender-investing-gap.html\' >Gen X Women Continue to Shrink Gender Investing Gap</a></h3><p>                                      Women in their 30s and 40s are increasingly proactive when it comes to their finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/08/should-you-buy-long-term-care-insurance.html\' >Should You Buy Long-Term Care Insurance?</a></h3><p>                                      Factors to consider when examining your options for long-term medical care.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/08/how-to-get-your-credit-card-rate-lowered-in-5-steps.html\' >How to Get Your Credit Card Rate Lowered in 5 Steps</a></h3><p>                                      It may take several phone calls to negotiate a truly fair APR with your credit card company.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/08/building-a-network-in-8-steps.html\' >Building a Network in 8 Steps</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Get your foot in the right doors in eight steps.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/08/10-ways-to-ruin-a-job-interview.html\' >10 Ways to Ruin a Job Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      You can kiss a job offer goodbye with any of these 10 mistakes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/02/07/lower-medicare-advantage-premiums-attract-seniors.html\' >Lower Medicare Advantage Premiums Attract Seniors</a></h3><p>                                      Average premiums drop 7 percent, with low-cost pharmacy plans drawing millions of new consumers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/07/subtle-401k-mistakes-many-people-make.html\' >Subtle 401(k) Mistakes Many People Make</a></h3><p>                                      Take steps to avoid these little-known investing errors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/07/dont-kill-an-interview-with-these-blunders.html\' >Don\'t Kill an Interview with These Blunders</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Committing these interview snafus will ensure that you don\'t get the job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/07/women-save-men-gamble.html\' >Women Save, Men Gamble</a></h3><p>                                      Four reasons why women are better investors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/07/navigating-foreign-property-markets.html\' >Navigating Foreign Property Markets</a></h3><p>                                      Shopping for real estate overseas is more difficult than in the U.S.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/07/the-financial-benefits-of-all-inclusive-resorts.html\' >The Financial Benefits of All-Inclusive Resorts</a></h3><p>                                      Research suggests that vacationers can relax more easily if they pay for more upfront.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/02/07/using-brokerage-windows-to-expand-your-401k-options.html\' >Using Brokerage Windows to Expand Your 401(k) Options</a></h3><p>                                      Are brokerage windows right for you?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/07/7-simple-ways-to-boost-your-income-in-2012.html\' >7 Simple Ways to Boost Your Income in 2012</a></h3><p>                                      The key is to focus on one or two areas that actually work, then repeat them as much as possible.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/07/how-to-get-the-most-out-of-an-internship.html\' >How to Get the Most Out of an Internship</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Five ways to make the most out of an internship.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/02/06/how-ethnicity-affects-retirement-savings.html\' >How Ethnicity Affects Retirement Savings</a></h3><p>                                      The challenge of retirement planning cuts across all groups, with a few standout differences.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/02/06/4-ways-new-annuity-rules-will-help-retirees.html\' >4 Ways New Annuity Rules Will Help Retirees</a></h3><p>                                      White House backs efforts to help employees turn retirement savings into lifetime income payments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/06/10-necessities-for-a-great-retirement-spot.html\' >10 Necessities for a Great Retirement Spot</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Here is how to select the ideal place to retire.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2012/02/06/new-annuity-rules-for-401ks.html\' >New Annuity Rules for 401(k)s</a></h3><p>                                      The Treasury issues regulations that promote annuities in 401(k) plans.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/06/10-shattered-myths-about-workplace-rights.html\' >10 Shattered Myths About Workplace Rights</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Test your knowledge of what your boss can and cannot do.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/06/7-easy-ways-to-save-money-on-gas-this-week.html\' >7 Easy Ways to Save Money on Gas This Week</a></h3><p>                                      Making a few changes to your driving habits could help cut some commuting costs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/02/06/does-debt-transfer-to-heirs-what-to-know-when-a-loved-one-passes.html\' >Does Debt Transfer to Heirs? What to Know When a Loved One Passes</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for managing the deceased\'s estate                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2012/02/03/labor-department-delays-401k-fee-disclosure.html\' >Labor Department Delays 401(k) Fee Disclosure</a></h3><p>                                      Workers will get 401(k) fee information before the end of 2012.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/03/which-type-of-resume-is-right-for-you.html\' >Which Type of Resume is Right for You?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The pros and cons of three of the most popular resume formats.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/02/03/senior-support-programs-still-bleeding-red-ink.html\' >Senior Support Programs Still Bleeding Red Ink</a></h3><p>                                      Entitlements finances continue deteriorating as political gridlock derails inevitable reform decisions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/03/only-old-on-the-outside.html\' >Only Old on the Outside</a></h3><p>                                      Many senior citizens have a surprising amount of youthful energy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/03/7-costly-credit-card-mistakes.html\' >7 Costly Credit Card Mistakes</a></h3><p>                                      Those who don’t use plastic responsibly end up with a mountain of debt.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/03/how-to-reduce-your-heating-bill.html\' >Simple Ways to Reduce Your Heating Bill</a></h3><p>                                      How to make sure you\'re not paying more than you need to.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/02/02/cell-phone-numbers-going-public-not-likely-.html\' >Cell Phone Numbers Going Public? Not Likely.</a></h3><p>                                      To avoid being scammed by the latest email hoax, here’s what you should know about the Do Not Call Registry.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/02/02/preparing-for-market-panic.html\' >Preparing For Market Panic</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Are we in for a roller coaster ride?                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/02/why-target-date-funds-make-sense-for-younger-investors.html\' >Why Target-Date Funds Make Sense for Younger Investors</a></h3><p>                                      Investing on autopilot comes with a few bumps, including expenses and international risk.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/02/why-suze-ormans-free-newsletter-is-overpriced.html\' >Why Suze Orman’s Free Newsletter Is Overpriced</a></h3><p>                                      Investment newsletters are seldom able to predict the direction of the stock market.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/02/start-saving-for-retirement-early.html\' >Start Saving for Retirement Early</a></h3><p>                                      It is essential to set aside money for retirement beginning with your first job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/02/5-reasons-to-file-your-taxes-early.html\' >5 Reasons to File Your Taxes Early</a></h3><p>                                      Although you have until April 17, there are a number of compelling reasons to get your return in early.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/02/a-to-do-list-for-the-first-time-entrepreneur.html\' >A To-Do List for the First-Time Entrepreneur</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Take these five steps to enter the world of entrepreneurship.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/02/the-skinny-on-employee-referral-programs.html\' >The Skinny on Employee Referral Programs</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Get an inside push in the right direction when applying for a job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/02/01/10-ways-to-save-your-retirement.html\' >10 Ways to Save Your Retirement</a></h3><p>                                      Retirement expert Olivia Mitchell tells her 20-something daughters to save up to 25 percent of their income.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/02/01/how-to-prepare-for-a-deflationary-world.html\' >How to Prepare for a Deflationary World</a></h3><p>                                      Falling prices not widely forecast, but weak growth and government budget cuts have raised the odds.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/01/tax-tips-for-retirees.html\' >Tax Tips for Retirees</a></h3><p>                                      Many people don’t realize that the IRS still takes a bite after their working days are done.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/01/how-to-save-more-now-with-savvy-budgeting.html\' >How to Save More Now With Savvy Budgeting</a></h3><p>                                      These spending and saving strategies can give your nest egg a major boost.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/01/where-smart-investors-put-their-money.html\' >Where Smart Investors Put Their Money</a></h3><p>                                      A major key to success is choosing low-cost and diversified investments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/02/01/3-ways-to-prepare-for-a-healthy-retirement.html\' >3 Ways to Prepare for a Healthy Retirement</a></h3><p>                                      Don’t sacrifice your health to save more for retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/01/how-to-finance-life-until-100.html\' >How to Finance Life Until 100</a></h3><p>                                      These strategies will help you build a nest egg that will last the rest of your life.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/01/the-growing-challenge-of-funding-retirement.html\' >The Growing Challenge of Funding Retirement</a></h3><p>                                      Retirement at age 65 is becoming increasingly unattainable.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/02/01/how-to-calculate-your-retirement-number.html\' >How to Calculate Your Retirement Number</a></h3><p>                                      The first step to creating a retirement-savings plan is to do some math.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/01/how-to-stand-out-in-a-phone-interview.html\' >How to Stand Out in a Phone Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      10 crucial tips to help you become a phone interview ninja.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/02/01/6-ways-to-cut-wedding-costs.html\' >6 Creative Ways to Cut Wedding Costs</a></h3><p>                                      Savvy alternatives that will give your wedding a premium-dollar feel without sacrificing your future savings.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/02/01/retiring-soon-4-thoughts-to-consider.html\' >Retiring Soon? 4 Thoughts to Consider</a></h3><p>                                      Preparing your finances for retirement                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/02/01/5-tips-for-new-grads-entering-the-job-market.html\' >5 Tips for New Grads Entering the Job Market</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These 5 tips will help new grads stand out from the competition.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/31/4-questions-a-hiring-manager-should-never-ask.html\' >4 Questions a Hiring Manager Should Never Ask</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A short list of off-limit topics for a job interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/31/investors-scramble-as-fed-extends-low-rate-policy.html\' >Investors Scramble as Fed Extends Low Rate Policy</a></h3><p>                                      Even modest yields will be scarce as interest rates flirt with zero for three more years.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/31/walk-softly-and-carry-a-big-dividend.html\' >Walk Softly, and Carry a Big Dividend</a></h3><p>                                      Dividends boost the return on your savings, but also increase the risk.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/31/5-questions-to-ask-on-your-next-interview.html\' >5 Questions to Ask on Your Next Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Ask these smart questions on your next job interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/31/investors-increasingly-tap-social-media-for-stock-tips.html\' >Investors Increasingly Tap Social Media for Stock Tips</a></h3><p>                                      More and more, companies are talking about earnings and products in real-time. Can investors keep up?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/31/8-ways-to-get-ready-for-retirement-now.html\' >8 Ways to Get Ready for Retirement Now</a></h3><p>                                      Creating a post-retirement work plan and putting more into tax-advantaged accounts can help.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/31/when-is-the-best-time-to-file-your-tax-return.html\' >When Is the Best Time to File Your Tax Return?</a></h3><p>                                      The IRS sets deadlines but there is room to maneuver, depending on your personal situation.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/31/should-you-have-etfs-in-your-portfolio.html\' >Should You Have ETFs in Your Portfolio?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How ETFs fit into employer-sponsored plans                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/31/4-smart-moves-for-your-tax-refund.html\' >4 Smart Ways to Spend Your Tax Refund</a></h3><p>                                      Using your tax refund wisely can make a big impact in your financial life.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/30/5-apps-for-organizing-your-expenses-at-tax-time.html\' >5 Apps for Organizing Your Expenses at Tax Time</a></h3><p>                                      Simplify the process by using your smartphone to scan and organize receipts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/30/reverse-mortgages-big-potential-small-results.html\' >Reverse Mortgages: Big Potential, Small Results</a></h3><p>                                      Volume of new loans plummets as industry and regulators struggle to develop new lending standards.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/30/the-new-rules-for-getting-ahead-at-work.html\' >The New Rules for Getting Ahead at Work</a></h3><p>                                      Career expert Lindsey Pollak explains why your Twitter profile is as important as your resume.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/30/take-your-retirement-on-the-road.html\' >Take Your Retirement on the Road</a></h3><p>                                      How one couple retired early by moving overseas.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/30/3-recession-home-remodeling-trends-likely-to-stick-around.html\' >3 Recession Home Remodeling Trends Likely to Stick Around</a></h3><p>                                      In-law apartments, outdoor living spaces, and smarter kitchens may be here to stay.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/30/how-to-take-advantage-of-new-401k-fee-disclosures.html\' >How to Take Advantage of New 401(k) Fee Disclosures</a></h3><p>                                      Workers can use this fee information to build a bigger nest egg and maybe even retire sooner.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/30/drugstore-vs-designer-makeup-is-sephora-really-worth-your-buck.html\' >Drugstore vs Designer Makeup: When to Save and When to Splurge</a></h3><p>                                      Not all cosmetics are created equal. Find out which drugstore products are comparable to designer brands.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/30/6-smart-buys-at-grocery-stores.html\' >6 Things You Should Always Buy at the Grocery Store</a></h3><p>                                      To stretch your grocery budget, make sure you always purchase these items from your local supermarket.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/30/putting-on-the-right-market-cap-why-stock-size-matters.html\' >Putting on the Right Market Cap: Why Stock Size Matters</a></h3><p>                                      Each category has its own attributes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/30/how-to-handle-uncomfortable-situations-at-work.html\' >How to Handle Uncomfortable Situations at Work</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Five awkward circumstances that pop up at work, and how to deal with them.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/27/4-ways-to-get-a-promotion-in-2012.html\' >4 Ways to Get a Promotion in 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to climb the corporate ladder, even in a stagnant economy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/27/waiting-out-chinas-next-growth-spurt.html\' >Waiting Out China\'s Next Growth Spurt</a></h3><p>                                      Strategist: It may be time for investors to hold rather than add, unless they’re brave.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/27/what-the-new-airfare-rules-mean-for-you.html\' >What the New Airfare Rules Mean for You</a></h3><p>                                      New regulations make it easier for travelers to compare prices in advance.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/27/baby-boomers-plan-their-retirement-careers.html\' >Baby Boomers Plan Their Retirement Careers</a></h3><p>                                      If you have to work in retirement, try to find a job you will enjoy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/27/how-to-get-discounts-on-almost-everything.html\' >How to Get Discounts on Almost Everything</a></h3><p>                                      The most popular sources for finding bargains.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/27/why-consumers-struggle-to-understand-healthcare.html\' >Why Consumers Struggle to Understand Healthcare</a></h3><p>                                      Health illiteracy is a serious problem that damages consumer health and adds billions to costs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/27/4-tax-breaks-of-homeownership.html\' >4 Tax Breaks of Homeownership</a></h3><p>                                      To take advantage of these tax breaks, get ready to itemize your deductions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/26/increase-cash-reserves-in-retirement.html\' >Increase Cash Reserves in Retirement</a></h3><p>                                      An emergency fund is even more important for retirees.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/26/what-you-can-learn-from-suze-ormans-mistakes.html\' >What You Can Learn From Suze Orman’s Mistakes</a></h3><p>                                      This personal finance guru has recently suffered a series of financial missteps.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/26/when-to-talk-about-salary.html\' >When to Talk About Salary</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips when working with a third-party recruiter or the company hiring manager.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/26/5-free-tools-every-entrepreneur-should-know-about.html\' >5 Free Tools Every Entrepreneur Should Know About</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Increase your productivity in networking, sales, email marketing, and more.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/26/how-credit-unions-support-community-development.html\' >How Credit Unions Support Community Development</a></h3><p>                                      Credit unions give back to their local communities in a variety of creative and generous ways.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/26/should-you-have-alternative-investments-in-your-portfolio.html\' >Should You Have Alternative Investments In Your Portfolio?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Four reasons to be cautious                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/26/understanding-earnings-and-earnings-estimates-.html\' >Understanding Earnings and Earnings Estimates </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why earnings and stock prices don\'t always move together                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/25/how-to-avoid-an-irs-audit.html\' >How to Avoid an IRS Audit</a></h3><p>                                      And what to do if the government takes a second look at your taxes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/25/5-ways-to-blow-your-shot-at-retirement.html\' >5 Ways to Blow Your Shot at Retirement</a></h3><p>                                      These behaviors may push a comfortable retirement out of reach.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2012/01/25/social-security-to-resume-paper-statements.html\' >Social Security to Resume Paper Statements</a></h3><p>                                      Workers age 60 and older will get mailings beginning in February.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/25/posthumous-births-an-emerging-estate-challenge.html\' >Posthumous Births: An Emerging Estate Challenge</a></h3><p>                                      Artificial reproductive technologies create inheritance issues for children born long after parent’s death.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/25/reference-checking-secrets-employers-wont-tell-you.html\' >Reference-Checking Secrets Employers Won\'t Tell You</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      They may seem minor, but references can be a make-or-break element of your job search.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/25/what-every-job-searching-veteran-needs-to-know.html\' >What Every Job-Searching Veteran Needs to Know</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to showcase your qualifications when your past experiences don’t match the job requirements.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/25/investing-its-about-expectations.html\' >Investing: It\'s About Expectations</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Know what you\'re looking for from each investment.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/25/the-best-and-worst-investments-2012.html\' >The Best and Worst Investments for 2012</a></h3><p>                                      It\'s impossible to predict what the markets will do in the future, but you can use research and trends to identify possible winners and losers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/24/how-to-succeed-at-juggling-caregiving-burdens.html\' >How to Succeed at Juggling Caregiving Burdens</a></h3><p>                                      Longevity, aging population, and costly healthcare place strains on families to care for loved ones.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/24/how-to-save-enough-for-retirement.html\' >How to Save Enough for Retirement</a></h3><p>                                      Alicia Munnell explains why we should buy smaller houses and save more than 9 percent of our income.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/24/do-you-need-life-insurance-in-retirement.html\' >Do You Need Life Insurance in Retirement?</a></h3><p>                                      It sometimes makes sense to keep renewing your policy in retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/24/5-lessons-from-michael-lewis.html\' >5 Lessons from Michael Lewis</a></h3><p>                                      Here are some takeaways from this financial writer’s most recent books.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/24/what-your-day-should-look-like-if-your-unemployed.html\' >What Your Day Should Look Like if You Are Unemployed</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      When you’re without a job, it’s important to maintain structure in your day.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/24/should-you-give-money-to-family-members.html\' >Should You Give Money to Family Members?</a></h3><p>                                      Six tips to help you decide whether to lend money to friends and family.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/24/5-ways-to-instantly-double-your-hourly-rate.html\' >5 Ways to Double Your Hourly Rate</a></h3><p>                                      If you prove your worth to clients, they will gladly pay a higher price for your services.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/24/7-steps-to-reach-your-retirement-goals.html\' >7 Steps to Reach Your Retirement Goals</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Your blueprint for retirement                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/23/how-to-follow-up-on-your-job-application.html\' >How to Follow Up On Your Job Application</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for each stage of the hiring process.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/23/5-sneaky-coupon-strategies-consumers-should-watch-out-for.html\' >5 Sneaky Coupon Strategies Consumers Should Watch Out For</a></h3><p>                                      Always make sure you read the fine print.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/23/senior-finances-and-the-great-entitlements-debate.html\' >Senior Finances and the Great Entitlements Debate</a></h3><p>                                      The adequacy of retirement and safety nets will be a contentious and high-stakes numbers game.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/23/the-search-for-the-ideal-lifestyle-overseas.html\' >The Search for the Ideal Lifestyle Overseas</a></h3><p>                                      Some people have to visit several countries to find one that fits.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/23/5-social-security-changes-coming-in-2012.html\' >5 Social Security Changes Coming in 2012</a></h3><p>                                      How much workers will pay into Social Security this year remains uncertain.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/23/7-things-that-turn-off-employers-during-interviews.html\' >7 Things That Turn Off Employers During an Interview</a></h3><p>                                      Polishing your interviewing skills can help you communicate better and ensure a successful interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/23/new-fee-disclosure-rules-help-make-costs-more-transparent.html\' >New Fee Disclosure Rules Help Make Costs More Transparent</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The impact of greater openness                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/20/how-to-stand-out-as-a-winter-graduate.html\' >How to Stand Out as a Winter Graduate</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips to help you take charge and make your degree work for you.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/20/spending-resolutions-to-keep-in-the-new-year.html\' >Spending Resolutions to Keep in the New Year</a></h3><p>                                      These strategies will help you to save more for retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/20/how-to-find-happiness-by-spending-less.html\' >How to Find Happiness by Spending Less</a></h3><p>                                      Researchers find that achieving social and selfless goals is a good path to lasting fulfillment.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/20/5-cost-cutting-tips-to-stretch-your-retirement-budget.html\' >5 Cost-Cutting Tips to Stretch Your Retirement Budget</a></h3><p>                                      Here’s how to painlessly rein in your monthly spending.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/20/how-to-reduce-the-cost-of-tax-preparation.html\' >How to Save on Tax Preparation</a></h3><p>                                      Those who don\'t qualify for free tax software have other free or low-cost options.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/20/we-are-the-25-percent.html\' >We Are the 25 Percent</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Forget about the 1 percent.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/19/3-common-start-up-mistakes-to-avoid.html\' >3 Common Start-up Mistakes to Avoid</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A few common pitfalls of newbie entrepreneurs—and how you can avoid them.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/19/the-outlook-for-muni-bonds-in-2012.html\' >The Outlook for Muni Bonds in 2012</a></h3><p>                                      Managers and analysts are optimistic yet skeptical that last year’s double-digit gains can be repeated.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/19/7-travel-insurance-tips.html\' >7 Travel Insurance Tips for Your Next Vacation</a></h3><p>                                      In light of the Costa Concordia disaster, insurance may be an issue you can\'t afford to avoid.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/19/the-right-focus-can-improve-your-2012-returns.html\' >The Right Focus Can Improve Your 2012 Returns</a></h3><p>                                      Focus on diversifying your stock and bond holdings instead of picking winners.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/19/plan-for-life-after-retirement.html\' >Plan for Life After Retirement</a></h3><p>                                      Consider how you will spend your days after you leave your job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/19/confessions-of-a-former-stockaholic.html\' >Confessions of a Former Stockaholic</a></h3><p>                                      The story of one investor\'s "addiction" to playing the odds                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/19/6-careers-to-watch-in-2012.html\' >6 Careers to Watch in 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These hot jobs are hiring in droves this year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/19/5-travel-safety-tips.html\' >Travel Safety Tips: 5 Things to Remember After Costa Concordia</a></h3><p>                                      Taking safety precautions will not only give you peace of mind while traveling, but can also save money in the process.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/19/polishing-your-elevator-speech.html\' >Polishing Your Elevator Speech</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Every job seeker should have a 30-second speech that describes what they do and what they\'re looking to do in the future.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/18/should-you-tweet-at-your-bank.html\' >Should You “Tweet” at Your Bank?</a></h3><p>                                      Banks (and customers) run into problems as they spend more time talking to each other over Twitter.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/18/the-outlook-for-senior-jobs-in-2012.html\' >The Outlook for Senior Jobs in 2012</a></h3><p>                                      A closer look at the jobs numbers show which occupations have lower jobless rates for older employees.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/18/what-to-do-if-you-suddenly-need-to-retire.html\' >What to Do if You Suddenly Need to Retire</a></h3><p>                                      Here’s how to cope with an unexpected early retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/18/awkward-questions-you-need-to-ask-your-financial-adviser.html\' >Awkward Questions You Need to Ask Your Financial Adviser</a></h3><p>                                      Put brokers, financial planners, and asset managers on the spot.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/18/5-reasons-you-need-a-budget.html\' >5 Reasons You Need a Budget</a></h3><p>                                      The first step to securing your future is to be aware of how you spend your money today.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/18/top-3-tax-apps.html\' >3 Tax Apps That Save Time and Cash</a></h3><p>                                      These apps simplify the filing process and can help you put your refund to good use sooner.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/18/target-date-funds-another-bad-year.html\' >Target-Date Funds: Another Bad Year?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Are target-date funds right for you?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/18/how-to-answer-an-awkward-interview-question.html\' >How to Answer an Awkward Interview Question</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What should you say when asked, \'"why\'d you leave your last job?"                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/17/how-to-create-a-bond-ladder.html\' >How to Create a Bond Ladder</a></h3><p>                                      This investing strategy can produce a predictable income stream.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/17/how-twentysomethings-can-start-off-on-the-right-foot-financially.html\' >How Twentysomethings Can Start Off on the Right Foot Financially</a></h3><p>                                      Navigating the challenges of starting a career, saving money, and more.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/17/zappos-customers-change-all-your-passwords.html\' >Zappos Customers: Change All Your Passwords</a></h3><p>                                      A hacking attack on the mega-retailers demonstrates the dangers of using the same passwords on multiple accounts.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/17/the-real-best-places-to-retire-in-2012.html\' >The Real Best Places to Retire in 2012</a></h3><p>                                      The ideal retirement spot should factor in who you are with.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/17/starting-over-in-medellin-colombia.html\' >Starting Over in Medellin, Colombia</a></h3><p>                                      A Texas man launches a business and a new lifestyle overseas.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/17/national-alzheimers-plan-faces-long-journey.html\' >National Alzheimer\'s Plan Faces Long Journey</a></h3><p>                                      A draft plan for battling Alzheimer’s highlights the huge challenge of this growing health crisis.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/17/are-we-entering-a-jobless-recovery.html\' >Are We Entering a Jobless Recovery?</a></h3><p>                                      Without retraining, economists warn that many Americans will not be able to find work.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/17/how-to-master-the-art-of-negotiation.html\' >How to Master the Art of Negotiation</a></h3><p>                                      Simply asking for a better deal can translate into big savings.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/17/keep-the-game-going-with-reallocation.html\' >Keep the Game Going With Portfolio Reallocation</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why rebalancing is crucial                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/17/ways-to-stay-organized-on-the-job-hunt.html\' >Ways to Stay Organized on the Job Hunt</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Choose one of these options for staying on track during the job hunt.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/17/9-things-you-shouldnt-buy-at-the-grocery-store.html\' >9 Things You Shouldn\'t Buy at Grocery Stores</a></h3><p>                                      Supermarkets offer many conveniences, but you\'d be better off buying the following items elsewhere.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/17/5-ways-to-become-a-self-made-millionaire.html\' >5 Ways to Become a Self-Made Millionaire</a></h3><p>                                      It\'s certainly possible to break the $1 million mark working at a corporate job, but entrepreneurs have an advantage.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/17/how-to-spot-bad-company-culture-.html\' >How to Spot Bad Company Culture </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Stay alert to these four things before accepting a job offer.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/16/heightened-volatility-the-new-normal.html\' >Heightened Volatility: The New Normal?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for staying ahead in a volatile market                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/13/5-bad-habits-to-break-before-retirement.html\' >5 Bad Habits to Break Before Retirement</a></h3><p>                                      Don’t let these financial misbehaviors ruin your retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/13/how-to-land-a-job-in-san-francisco-in-2012.html\' >How to Land a Job in San Francisco in 2012</a></h3><p>                                      The City by the Bay has a strong job market compared with other U.S. cities.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/13/retirement-planning-in-a-volatile-economy.html\' >Retirement Planning in a Volatile Economy</a></h3><p>                                      Many baby boomers are facing difficult retirement planning decisions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/13/how-investors-can-exploit-greed-and-fear-.html\' >How Investors Can Exploit Greed and Fear </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Using industry groups as a bellwether                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/13/quick-ways-to-reduce-your-expenses.html\' >Quick Ways to Reduce Your Expenses</a></h3><p>                                      If you\'re facing a financial emergency, these tips can help you stop the rapid depletion of your savings                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/13/suze-orman-enters-the-prepaid-card-market.html\' >Suze Orman Enters the Prepaid Card Market</a></h3><p>                                      While it’s not the cheapest prepaid card available, the fees are  reasonable.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/12/european-investment-opportunities-outside-the-euro-zone.html\' >European Investment Opportunities Outside the Euro Zone</a></h3><p>                                      Investors look beyond the zone’s heavy debt loads to non-euro nations with healthier balance sheets.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/12/how-to-teach-your-kids-about-credit-cards.html\' >How to Teach Your Kids About Credit Cards</a></h3><p>                                      It\'s a good idea to teach your child early about how credit cards work.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/12/focus-on-cash-flow-for-retirement.html\' >Focus on Cash Flow for Retirement</a></h3><p>                                      Here’s how to generate retirement income without a large nest egg.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/12/great-ideas-for-senior-friendly-communities.html\' >Great Ideas for Senior-Friendly Communities</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      States and towns across the country are preparing for rapidly growing numbers of elderly residents.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/12/from-side-gig-to-full-time-entrepreneur-in-10-steps.html\' >From Side Gig to Full-Time Entrepreneur in 10 Steps</a></h3><p>                                      Improve your skills and test the waters of full-time entrepreneurship with a side business.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/12/investors-should-embrace-uncertainty.html\' >Investors Should Embrace Uncertainty</a></h3><p>                                      Uncertainty in the market drives higher returns.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/12/the-ins-and-outs-of-providing-references.html\' >The Ins and Outs of Providing References</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      You should have your references prepared well in advance.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/12/do-you-pass-the-investment-test.html\' >Do You Pass the Investment Test?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Are you investing with your head or your gut?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/11/where-to-invest-in-2012.html\' >Where to Invest in 2012</a></h3><p>                                      With stocks expected to rebound, opportunity abounds for investors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/11/7-ways-to-control-your-career-in-2012.html\' >7 Ways to Control Your Career in 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Use these tips to succeed with your career goals in 2012.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/11/10-tips-for-new-grads-entering-the-workforce.html\' >10 Tips for New Grads Entering the Workforce</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Here are some tips to quickly establish a strong reputation and ensure job success.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/11/5-doable-resolutions-for-retirement-in-2012.html\' >5 Doable Resolutions for Retirement in 2012</a></h3><p>                                      These realistic goals will improve your retirement prospects.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/11/suze-orman-shows-off-new-prepaid-card.html\' >How Suze Orman\'s New Prepaid Card Stacks Up</a></h3><p>                                      Is The Approved Card better than other recent celebrity-hawked cards?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/11/4-financial-lessons-from-the-nfl-season.html\' >4 Financial Lessons From the NFL Season</a></h3><p>                                      What you can learn from football teams and apply to your own finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/11/my-mutual-fund-underperformed-in-2011-should-i-sell.html\' >My Mutual Fund Underperformed in 2011; Should I Sell?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Factors to consider when deciding whether to dump a fund                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/10/can-i-get-a-promotion-in-a-down-economy.html\' >Can I Get a Promotion in a Down Economy?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If you are planning to ask for a promotion, you should prove your worth to the company as if you already had the promotion.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/10/how-to-solve-any-customer-service-challenge.html\' >How to Solve Any Customer Service Challenge</a></h3><p>                                      The Chicago Tribune’s master problem solver explains how to act like a pit bull to get results.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/10/make-the-most-of-criticism-in-the-workplace.html\' >Make the Most of Criticism in the Workplace</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The benefits of having a boss who honestly evaluates your performance                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/10/money-advice-for-my-son.html\' >Money Advice for My Son</a></h3><p>                                      Here are some ideas for a sudden windfall of cash.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/10/what-to-do-about-retiree-healthcare-costs.html\' >What to do About Retiree Healthcare Costs</a></h3><p>                                      Consumers expect the hammer to fall on Medicare, but don’t know what to do about it.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/10/how-to-battle-shopping-addiction.html\' >How to Battle Shopping Addiction</a></h3><p>                                      For some people, spending less requires confronting self-control problems.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/10/top-complaints-about-daily-deal-sites.html\' >Top Complaints About Daily Deal Sites</a></h3><p>                                      Avoid these missteps to improve your experience and benefit local businesses.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/10/collective-investment-trusts-to-trust-or-not-to-trust.html\' >Collective Investment Trusts: To Trust or Not to Trust?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The pros and cons of CITs                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/10/5-things-to-know-about-the-payroll-tax--cut-extension.html\' >5 Things to Know About the Payroll Tax -Cut Extension</a></h3><p>                                      How does this tax break apply to you?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/09/rich-people-stressed-about-retirement-too.html\' >Rich People Stressed About Retirement, Too</a></h3><p>                                      They might make up the “one percent,” but wealthy Americans worry about retiring comfortably.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/09/should-you-invest-in-bond-funds-or-individual-issues.html\' >Should You Invest in Bond Funds or Individual Issues?</a></h3><p>                                      Considerations include how much you have to invest and how much risk you’re willing to take.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/09/10-secrets-of-a-hiring-manager.html\' >10 Secrets of a Hiring Manager</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Ever wonder what hiring managers are really thinking throughout the hiring process?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/09/5-ways-to-stretch-your-grocery-budget.html\' >5 Ways to Stretch Your Grocery Budget</a></h3><p>                                      With food prices set to rise again in 2012, here are smart ways to keep your budget in check.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/09/10-great-dividend-stocks-for-2012.html\' >10 Great Dividend Stocks for 2012</a></h3><p>                                      Although yields have declined in the past year, these top-rated stocks still provide solid returns.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/09/from-san-francisco-bay-to-ambergris-caye.html\' >From San Francisco Bay to Ambergris Caye</a></h3><p>                                      How one couple reinvented their lives in the Caribbean.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/09/65-and-older-population-soars.html\' >65-and-Older Population Soars</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Florida and Arizona aren’t the only places with large older populations.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/09/7-financial-resolutions-you-can-actually-keep.html\' >7 Financial Resolutions You Can Actually Keep</a></h3><p>                                      Follow these steps to put yourself in a better financial situation at this time next year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/09/2-ways-to-create-a-personal-pension-plan.html\' >2 Ways to Create a Personal Pension Plan</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to plan for steady income streams                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/06/how-the-savings-rate-could-hobble-the-economic-recovery.html\' >How the Savings Rate Could Hobble the Economic Recovery</a></h3><p>                                      The decline in savings isn’t just bad news for consumers—it’s bad for the entire economy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/06/how-to-land-a-job-in-washington-dc-in-2012.html\' >How to Land a Job in Washington, D.C. in 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      There are about an even number of open positions as there are people seeking jobs in Washington.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/06/is-it-time-to-move-into-homebuilder-stocks.html\' >Is it Time to Move into Homebuilder Stocks?</a></h3><p>                                      Tracking regional market changes can help investors decide.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/06/6-ways-to-improve-the-quality-of-your-retirement-.html\' >6 Ways to Improve the Quality of Your Retirement </a></h3><p>                                      Kick your quality of life up a notch with these strategies.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/06/how-to-find-the-safest-returns-in-2012.html\' >How to Find the Safest Returns in 2012</a></h3><p>                                      Zero interest rates and global uncertainties argue for caution, head of PIMCO investment firm advises.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/06/do-you-need-an-annuity.html\' >Do You Need an Annuity?</a></h3><p>                                      Annuities allow you to create your own traditional pension plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/06/what-investors-could-learn-from-rip-van-winkle.html\' >What Investors Could Learn From Rip Van Winkle</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why your portfolio needs a snooze button                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/06/5-places-to-sell-unwanted-gift-cards.html\' >5 Ways to Sell Unwanted Gift Cards</a></h3><p>                                      A rundown of websites that can take unwanted gift cards off your hands in exchange for cash.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/05/do-impatient-people-have-lower-credit-scores-.html\' >Do Impatient People Have Lower Credit Scores? </a></h3><p>                                      A new study suggests that if you can wait longer for rewards, you’re more likely to have a higher credit score.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/05/the-best-and-worst-sources-of-financial-advice.html\' >The Best and Worst Sources of Financial Advice</a></h3><p>                                      Check out these 8 great financial books, and avoid these 5 sources of advice.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/05/give-your-retirement-fund-a-raise.html\' >Give Your Retirement Fund a Raise</a></h3><p>                                      Try these painless ways to boost your savings rate.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/05/8-steps-for-building-solid-estate-plans.html\' >8 Steps for Building Solid Estate Plans</a></h3><p>                                      As tougher times add to family frictions over estate plans, here are steps to ease the pressure.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/05/4-mobile-apps-for-job-seekers.html\' >4 Mobile Apps for Job Seekers</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The best apps for perfecting your resume, networking and applying for your next job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2012/01/04/gen-y-saving-more-for-retirement.html\' >Gen Y Saving More for Retirement</a></h3><p>                                      While young people ramp up savings, their parents and grandparents fall behind.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2012/01/04/6-shopping-habits-to-save-more-in-2012.html\' >6 Shopping Habits to Help You Save More in 2012</a></h3><p>                                      Getting the best deals on groceries, clothing, and travel requires more than just using coupons or promo codes.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/04/how-food-choices-affect-your-retirement.html\' >How Food Choices Affect Your Retirement</a></h3><p>                                      Your eating habits may influence your retirement preparedness.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/04/breaking-down-the-income-gap-into-real-terms.html\' >Breaking Down the Income Gap Into Real Terms</a></h3><p>                                      We help explain the stark divergence between the middle class and the rich.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/04/its-2012-now-what.html\' >It\'s 2012; Now What?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for getting started                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/04/4-little-known-tools-for-a-2012-job-hunt.html\' >4 Little-Known Tools for a 2012 Job Hunt</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These cool tools could help you land a new job this new year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/04/8-new-years-resolutions-for-your-career.html\' >8 New Year\'s Resolutions for Your Career</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Start 2012 off right with these 8 career resolutions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/03/the-outlook-for-investing-in-energy-in-2012.html\' >The Outlook for Investing in Energy in 2012</a></h3><p>                                      Global demand is important, but so is the production side of the equation.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/03/should-you-join-a-credit-union.html\' >Should You Join a Credit Union?</a></h3><p>                                      With banks’ fee policies changing, some consumers are turning to credit unions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/03/10-ways-to-make-money-in-2012.html\' >10 Ways to Make Money in 2012</a></h3><p>                                      This investment strategy could boost your returns.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2012/01/03/4-questions-to-ask-before-borrowing-from-your-401k.html\' >4 Questions to Ask Before Borrowing from Your 401(k)</a></h3><p>                                      It may sound like an appealing option, but 401(k) loans do come with risks and restrictions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2012/01/03/key-economic-indicators-to-watch-in-2012.html\' >Key Economic Indicators to Watch in 2012</a></h3><p>                                      As the economy begins another uncertain year, these major measures will chart our progress.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2012/01/03/how-to-choose-an-overseas-retirement-haven.html\' >How to Choose an Overseas Retirement Haven</a></h3><p>                                      Check out these great places for golf, water views, and cosmopolitan amenities.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/03/preparing-for-the-ultimate-vacation.html\' >Preparing for the Ultimate Vacation</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The advantages of starting early                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/03/5-commonly-asked-resume-questions.html\' >5 Commonly Asked Resume Questions</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Solutions for the most frequently asked questions about resumes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2012/01/03/6-reasons-to-reject-a-counteroffer.html\' >6 Reasons to Reject a Counteroffer</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Considering that counteroffer? Here are a few reasons to say no.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2012/01/02/retiree-challenge-making-your-money-last.html\' >Retiree Challenge: Making Your Money Last</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Planning for retirement                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/30/10-trends-from-2011-we-dont-want-to-see-in-2012.html\' >10 Trends from 2011 We Don\'t Want to See in 2012</a></h3><p>                                      As the year ends, here are 10 things that happened during 2011 that we’d be happy not to see again.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/30/5-common-retirement-misconceptions.html\' >5 Common Retirement Misconceptions</a></h3><p>                                      Retired life is very different from how most people are envisioning it.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/30/seniors-benefit-from-lifelong-learning.html\' >Seniors Benefit from Lifelong Learning</a></h3><p>                                      Going back to school can keep you challenged during your retirement years.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/29/first-annual-solin-award-for-worst-financial-blog.html\' >First Annual Solin Award for Worst Financial Blog</a></h3><p>                                      Some blogs encourage investors to adopt strategies likely to harm their financial well-being.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/29/how-to-land-a-new-job-in-2012.html\' >How to Land a New Job in 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Always bring questions to a job interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/29/how-to-improve-your-credit-score-in-2012.html\' >How to Improve Your Credit Score in 2012</a></h3><p>                                      Liz Weston explains how to boost that increasingly important three-digit number.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/29/consumer-stocks-join-energy-reits-on-dividend-play-list.html\' >Consumer Stocks Join Energy, REITs on Dividend Play List</a></h3><p>                                      Dividend stocks look to continue to reward longer-horizon investors collecting anemic yields elsewhere.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/29/5-tips-for-a-healthier-retirement.html\' >5 Tips for a Healthier Retirement</a></h3><p>                                      Maintaining good health can save you money in retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/29/5-financial-resolutions-for-2012.html\' >5 Financial Resolutions for 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A return to the basics                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/29/how-to-start-a-new-career-from-scratch.html\' >How to Start a New Career from Scratch</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Try these sure-fire tips when making a career change.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/28/how-to-set-2012-money-goals-that-work.html\' >How to Set 2012 Money Goals That Work</a></h3><p>                                      Most people fail to achieve New Year’s resolutions, but these strategies can help overcome those odds.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/28/6-basics-for-a-solid-retirement-plan.html\' >6 Basics for a Solid Retirement Plan</a></h3><p>                                      Despite uncertainty and fragile conditions, successful retirements remain possible using these tools.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/28/be-aggressive-in-your-job-search.html\' >Be Aggressive in Your Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Do the unexpected.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/28/5-ways-kids-can-boost-their-retirement-prospects.html\' >5 Ways Kids Can Boost Their Retirement Prospects</a></h3><p>                                      Teaching children these skills will help them achieve a comfortable retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/28/6-tips-for-a-successful-career-comeback.html\' >6 Tips for a Successful Career Comeback</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Keep in touch with old contacts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/27/seniors-offer-wise-ways-to-achieve-best-lives.html\' >Seniors Offer Wise Ways to Achieve Best Lives</a></h3><p>                                      Year-end looks at our lives are an opportunity to go beyond financial challenges to enduring human values.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/27/5-ways-to-spend-gift-cards-wisely.html\' >5 Ways to Spend Gift Cards Wisely</a></h3><p>                                      Here are some tips on how to make the most of your gift-card stash.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/27/how-to-master-the-coffee-meeting.html\' >How to Master the Coffee Meeting</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Keep the first rule of networking in your mind at all times: building trust.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/27/10-work-habits-that-could-get-you-fired.html\' >10 Work Habits That Could Get You Fired</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      You have to own up to your mistakes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/27/5-economic-myths-of-2011.html\' >5 Economic Myths of 2011</a></h3><p>                                      Many of this year’s top news stories include financial misinformation.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/27/new-years-resolutions.html\' >New Year’s Resolutions</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s that time of year again.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/27/4-steps-to-kick-off-the-new-year-with-a-simpler-financial-life.html\' >4 Steps to Kick Off the New Year With a Simpler Financial Life</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Make a plan and stick to it.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/23/why-senior-citizens-should-believe-in-santa.html\' >Why Senior Citizens Should Believe in Santa</a></h3><p>                                      The act of making a Christmas list for Santa teaches hope for the future.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/23/what-does-2012-have-in-store-for-your-wallet.html\' >What Does 2012 Have in Store for Your Wallet?</a></h3><p>                                      The outlook for the economy, credit, and banking.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/23/release-of-medicare-claims-info-a-game-changer.html\' >Release of Medicare Claims Info a Game-Changer</a></h3><p>                                      Medicare will release claims data in 2012 for use in free health provider rankings for consumers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/23/financial-planning-tasks-for-2012.html\' >Financial Planning Tasks for 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Get a good start to the new year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/22/7-smart-end-of-year-money-moves.html\' >7 Smart End-of-Year Money Moves</a></h3><p>                                      There are still a few days left to squeeze in tax savings, charitable giving, and retirement savings.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/22/the-best-ways-to-communicate-during-the-job-hunt.html\' >The Best Ways to Communicate During the Job Hunt</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Consider your audience.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/22/5-ways-to-make-an-extra-500-a-month.html\' >5 Ways to Make an Extra $500 a Month</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Rent out your living room.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/22/the-easy-way-to-return-gifts-this-year.html\' >The Easy Way to Return Gifts This Year</a></h3><p>                                      Avoid restocking fees and pesky store policies with these six tips.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/22/the-plundering-of-investors-is-endless.html\' >The Plundering of Investors is Endless</a></h3><p>                                      Here is how to avoid becoming a victim of the securities industry.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/22/should-i-save-for-retirement-or-college.html\' >Should I Save for Retirement or College?</a></h3><p>                                      Here’s how to prioritize your retirement savings with your child’s college fund.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/22/in-2012-financial-resolutions-may-beat-out-health-and-fitness.html\' >In 2012, Financial Resolutions May Beat Out Health and Fitness</a></h3><p>                                      A fifth of workers surveyed said not saving enough was their top financial blunder in 2011.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/22/an-investing-guide-to-closed-end-funds.html\' >An Investing Guide to Closed-End Funds</a></h3><p>                                      Despite the name, closed-end funds behave more like individual stocks.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/22/a-shorter-simpler-credit-card-agreement.html\' >A Shorter, Simpler Credit Card Agreement</a></h3><p>                                      The Consumer Financial Protection Bureau aims to simplify a complicated document.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/22/congressional-insider-trading-and-american-hypocrisy.html\' >Congressional Insider Trading and American Hypocrisy</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s time to level the playing field.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/21/get-ready-for-new-2012-investment-tax-rules.html\' >Get Ready for New 2012 Investment Tax Rules</a></h3><p>                                      Mutual fund investors may need to choose how to value their shares for 2012 taxable transactions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/21/how-failure-to-extend-the-payroll-tax-cut-would-affect-consumers.html\' >How Failure to Extend the Payroll Tax Cut Would Affect Consumers</a></h3><p>                                      The politics of this debate are typical, but inaction would have a direct impact on Americans.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/21/annual-adjustments-could-wreck-your-retirement.html\' >Annual Adjustments Could Wreck Your Retirement</a></h3><p>                                      You need to review your finances more than once a year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/21/50-ways-to-improve-your-finances-in-2012.html\' >50 Ways to Improve Your Finances in 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A guide to mastering your money in the new year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/21/is-a-roth-401k-right-for-you.html\' >Is a Roth 401(k) Right for You?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Some questions to consider                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/21/how-to-get-your-next-job-using-iphone-apps.html\' >How to Get Your Next Job Using iPhone Apps</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Use these iPhone apps in your job search.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/21/grad-school-isnt-an-escape-from-a-bad-job-market.html\' >Grad School Isn\'t an Escape From a Bad Job Market</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Grad school makes sense if you want to pursue a career that requires it.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/12/20/how-to-get-the-savers-credit.html\' >How to Get the Saver’s Credit</a></h3><p>                                      Low income workers who use a 401(k) or IRA can reduce their tax bill.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/20/6-ways-to-save-on-gasoline.html\' >7 Ways to Save on Gasoline</a></h3><p>                                      How to start conserving gas and saving money on your commute.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/20/10-myths-about-job-hunting-during-a-recession.html\' >10 Myths About Job Hunting During a Recession</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Temporary jobs are not dead ends.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/20/how-ready-are-you-for-long-term-care.html\' >How Ready Are You for Long-Term Care?</a></h3><p>                                      Take this quiz to see what you know and don’t know about building a good plan for long-term care needs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/20/is-it-1979-all-over-again.html\' >Is it 1979 All Over Again?</a></h3><p>                                      The current political climate has similarities to the final days of Jimmy Carter’s presidency.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/20/how-to-be-seen-as-competent-in-the-workplace.html\' >How to Be Seen as Competent in the Workplace</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Take mistakes seriously.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/20/how-to-break-bad-money-habits-in-2012.html\' >How to Break Bad Money Habits in 2012</a></h3><p>                                      Tips for avoiding common financial blunders and setting money goals for the new year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/20/plan-sponsors-please-dont-mess-up-our-401k-investments.html\' >Plan Sponsors: Please Don\'t Mess Up Our 401(k) Investments</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why new disclosure rules need to be implemented carefully                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/19/last-minute-gift-ideas-for-savvy-shoppers.html\' >Last-Minute Gift Ideas for Savvy Shoppers</a></h3><p>                                      It’s not too late to score great deals on presents, especially if they’re digital.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/19/public-still-not-buying-divisive-attacks-on-rich.html\' >Public Still Not Buying Divisive Attacks on Rich</a></h3><p>                                      Unequal wealth sets up classic have vs. have-not storyline, but real issue may be fairness, not money.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/19/take-a-career-assessment-test.html\' >Take a Career Assessment Test</a></h3><p>                                      Find out where your passions lie now.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/19/refinance-at-a-rock-bottom-rate.html\' >Refinance at a Rock-Bottom Rate</a></h3><p>                                      Is it time to trade in your mortgage?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/19/12-great-money-apps-that-save-time-and-cash.html\' >12 Great Money Apps That Save Time and Cash</a></h3><p>                                      The most helpful mobile financial applications.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/19/christmas-in-medellin-colombia.html\' >Christmas in Medellin, Colombia</a></h3><p>                                      The scenic holiday festivities are just one reason to consider Medellin as a retirement spot.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/19/smart-year-end-tax-moves-for-investors.html\' >Smart Year-End Tax Moves for Investors</a></h3><p>                                      A short list of some last-minute deductions and other potential savings.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/19/12-retirement-resolutions-for-2012.html\' >12 Retirement Resolutions for 2012</a></h3><p>                                      These tips will improve your retirement readiness.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/19/7-ways-to-get-last-minute-deals-on-gifts.html\' >7 Ways to Get Last-Minute Deals on Gifts</a></h3><p>                                      It’s not too late to find that perfect gift, and to pay as little as possible for it.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/19/how-to-quit-your-job.html\' >How to Quit Your Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Talk to your boss in person.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/19/how-to-help-keep-identity-thieves-away.html\' >How to Help Keep Identity Thieves Away</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for keeping your information private                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/19/6-ways-to-destroy-holiday-debt.html\' >6 Ways to Destroy Holiday Debt</a></h3><p>                                      If racking up debt over the holidays was unavoidable, here\'s how to pay it off as quickly as possible.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/16/how-to-earn-extra-money-as-a-pet-sitter.html\' >How to Earn Extra Money as a Pet Sitter</a></h3><p>                                      One woman explains how she supplements her income by taking care of cats and dogs.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/12/16/patty-duke-signs-up-for-social-security.html\' >Patty Duke Signs Up for Social Security</a></h3><p>                                      The actress releases an emotional online video of her Social Security sign up.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/16/get-rid-of-bank-fees-once-and-for-all.html\' >Get Rid of Bank Fees Once and for All</a></h3><p>                                      Five steps to help you avoid fees.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/16/are-connected-baby-boomers-antisocial.html\' >Are Connected Baby Boomers Antisocial?</a></h3><p>                                      Social media may be weakening our real life social skills.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/16/unmet-challenges-for-an-aging-america.html\' >Unmet Challenges for an Aging America</a></h3><p>                                      Negative images of aging and entitlements fights obscure the growing need for major societal shifts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/16/is-the-weak-housing-market-altering-our-idea-of-home.html\' >Is the Weak Housing Market Altering Our Idea of Home?</a></h3><p>                                      Budget-minded remodeling and smart design are gaining popularity in this slow economy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/16/consider-a-health-savings-account.html\' >Consider a Health Savings Account</a></h3><p>                                      Nearly a quarter of large employers plan to offer an HSA to workers in 2012.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/16/automate-your-401k.html\' >Automate Your 401(k)</a></h3><p>                                      An unstable market means you need to save and invest more, not less.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/16/if-you-cant-beat-it-join-it.html\' >If You Can\'t Beat It, Join It</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Trying to beat the market is a recipe for disaster.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/16/7-reasons-to-join-a-global-immersion-program.html\' >7 Reasons to Join a Global Immersion Program</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If you’re not reaching your goals, it might be time for a change of scenery.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/15/10-rookie-home-buyer-mistakes-to-avoid-2.html\' >10 Rookie Home Buyer Mistakes to Avoid</a></h3><p>                                      Get the most from your purchase by sidestepping these costly pitfalls.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/15/how-to-find-a-seasonal-job.html\' >How to Find a Seasonal Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Apply for multiple jobs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/15/safeguard-your-childs-social-security-number.html\' >Safeguard Your Child\'s Social Security Number</a></h3><p>                                      Increasingly, children have become targets of identity thieves.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/15/not-retiring-is-a-terrible-plan.html\' >Shunning Retirement is a Terrible Plan</a></h3><p>                                      Planning to work indefinitely is not a realistic goal.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/15/why-mid-caps-stand-out-in-this-slow-growth-stretch.html\' >Why Mid-Caps Stand Out in This Slow-Growth Stretch</a></h3><p>                                      An upbeat outlook for earnings among midsized companies.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/15/the-myth-of-the-investment-guru.html\' >The Myth of the Investment Guru</a></h3><p>                                      Even exceptional stock pickers eventually lose money.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/15/charter-your-own-jet.html\' >Charter Your Own Jet</a></h3><p>                                      New services are making it more affordable.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/15/time-to-negotiate-a-raise.html\' >Time to Negotiate a Raise?</a></h3><p>                                      With many companies sitting on piles of cash, it might be time to ask for some.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/15/how-to-be-found-in-linkedin.html\' >How to Be Found in LinkedIn</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If Google doesn’t know you, you may be no one.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/15/travel-without-luggage.html\' >Travel Without Luggage</a></h3><p>                                      Avoid carry-on fees by leaving your bags at home.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/15/tips-for-staying-focused-on-the-end-goal.html\' >Tips for Staying Focused on the End Goal</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Look ahead, not over your shoulder.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/14/how-to-build-the-best-retirement-spending-plan.html\' >How to Build the Best Retirement Spending Plan</a></h3><p>                                      Despite widespread spending and investment standards, specific decisions should fit your needs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/14/the-future-of-fannie-mae-and-freddie-mac.html\' >The Future of Fannie Mae and Freddie Mac</a></h3><p>                                      It’s clear that some type of reform is in the works. But what will this reform look like?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/14/5-ideas-to-beef-up-your-retirement-plan.html\' >5 Ideas to Beef Up Your Retirement Plan</a></h3><p>                                      Consider making these adjustments to your retirement investments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/14/how-2011-affected-your-money.html\' >How 2011 Affected Your Money</a></h3><p>                                      What the major financial stories of the year mean for you and your bank account.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/14/take-advantage-of-these-tax-breaks.html\' >Take Advantage of These Tax Breaks</a></h3><p>                                      Here are five ways you might profit from today’s IRS rules and rates.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/14/10-things-to-consider-before-becoming-a-full-time-entrepreneur.html\' >10 Things to Consider Before Becoming a Full-Time Entrepreneur</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The state of the economy is not a justification for or against entrepreneurship.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/14/the-50-best-places-to-work-for-2012.html\' >The 50 Best Places to Work for 2012</a></h3><p>                                      Management consulting firms Bain and McKinsey top Glassdoor’s annual list.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/14/how-to-handle-a-lazy-coworker.html\' >How to Handle a Lazy Coworker</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to tell your boss about the problem.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/14/how-is-your-financial-adviser-paid-why-you-should-care.html\' >How Is Your Financial Adviser Paid? </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why you should care                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/13/6-ways-to-throw-an-affordable-holiday-party.html\' >6 Ways to Throw an Affordable Holiday Party</a></h3><p>                                      Americans spend on average of $200 on holiday-related entertaining expenses, but you can cut that figure in half with these tips.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/13/do-401ks-match-traditional-pensions.html\' >Do 401(k)s Match Traditional Pensions?</a></h3><p>                                      Despite nostalgia for defined-benefit pensions, the adequacy of retirement plans has not changed.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/12/13/3-important-retirement-tax-deadlines-for-2011.html\' >Important Retirement Tax Deadlines for 2011</a></h3><p>                                      Make retirement account contributions and withdrawals by these dates.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/13/the-buzz-on-coffee.html\' >The Buzz on Coffee</a></h3><p>                                      Research suggests your morning cup of Joe can keep you healthy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/13/get-digital-travel-discounts.html\' >Get Digital Travel Discounts</a></h3><p>                                      Living Social and Groupon roll out tempting deals.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/13/home-exchange-networks-grow-as-travel-budgets-shrink.html\' >Home-Exchange Networks Grow as Travel Budgets Shrink</a></h3><p>                                      Frugal travelers swap spaces without swapping any money.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/13/how-to-protect-your-money-online.html\' >How to Protect Your Money Online</a></h3><p>                                      Banking online is convenient but does have risks.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/13/how-to-master-your-holiday-shopping-list.html\' >How to Master Your Holiday Shopping List</a></h3><p>                                      A shopping expert shares her secrets for coming out ahead during this frenzied season.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/13/10-buzzwords-to-avoid-on-your-resume.html\' >10 Buzzwords to Avoid on Your Resume</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These words could turn off hiring mangers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/12/the-economics-of-occupy-wall-street.html\' >The Politics and Economics of Occupy Wall Street</a></h3><p>                                      Now that the movement appears to be losing steam, what economic impact did it have?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/12/playing-politics-with-social-security.html\' >Playing Politics With Social Security</a></h3><p>                                      Extension of payroll tax cuts opens door to erosion of program’s independent status and reliability.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/12/top-beach-city-and-country-retirement-spots.html\' >Top Beach, City, and Country Retirement Spots</a></h3><p>                                      These places will suit your desired retirement lifestyle and budget.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/12/saving-money-with-alternative-heating-5-safety-tips.html\' >Saving Money With Alternative Heating? 5 Safety Tips</a></h3><p>                                      Many money-saving options create a risk of fire if they’re not carefully installed and maintained.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/12/why-latin-american-stocks-could-get-hot.html\' >Why Latin American Stocks Could Get Hot</a></h3><p>                                      Domestic demand looks promising, unless the developed world pulls emerging markets under.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/12/tips-for-baby-boomers-reaching-retirement-age-in-2012.html\' >Tips for Baby Boomers Reaching Retirement Age in 2012</a></h3><p>                                      Many of the rules for claiming Social Security change when you hit age 66.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/12/5-ways-to-cash-in-on-your-skills.html\' >5 Ways to Cash In on Your Skills</a></h3><p>                                      Creative ways you can make money, from tutoring to renting out the garage.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/12/how-to-choose-a-smartphone.html\' >How to Choose a Smartphone</a></h3><p>                                      Help comparing the innumerable features and deciphering calling and data plans.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/12/how-to-approach-an-informational-interview.html\' >How to Approach an Informational Interview</a></h3><p>                                      Don\'t treat it like a job interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/12/questions-to-ask-when-drafting-an-estate-plan.html\' >Questions to Ask When Drafting an Estate Plan</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Use this checklist to get started.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/09/how-to-get-hired-at-a-killer-startup.html\' >How to Get Hired at a Killer Startup</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t be afraid to be bold.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/09/why-retirees-should-get-back-to-work.html\' >Why Retirees Should Get Back to Work</a></h3><p>                                      A part-time job will improve your finances and allow time for fun.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/09/how-to-decide-where-to-retire.html\' >How to Decide Where to Retire</a></h3><p>                                      Look for these characteristics in a retirement locale.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/12/09/workers-double-2012-retirement-savings-goals.html\' >Workers Double 2012 Retirement Savings Goals</a></h3><p>                                      Financial new year’s resolutions for 2012 focus on necessities, not luxuries.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/09/why-you-should-skip-the-cinema.html\' >Why You Should Skip the Cinema</a></h3><p>                                      Besides Netflix, you’ve got plenty of ways to view films at home.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/09/tablets-and-tvs-top-2011-holiday-gift-lists.html\' >Tablets and TVs Top 2011 Holiday Gift Lists</a></h3><p>                                      Tech gifts for seniors include tools to help those with vision, hearing, and cognitive impairments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/09/cheap-and-free-ways-to-listen-to-music-online.html\' >Cheap (and Free) Ways to Listen to Music Online</a></h3><p>                                      Spotify and similar services let you be your own DJ.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/09/4-reasons-you-stink-at-managing-your-own-money.html\' >4 Reasons You Stink at Managing Your Own Money</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Emotions get the best of most investors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/09/should-you-use-currencies-to-diversify.html\' >Should You Use Currencies to Diversify?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Asset allocation is good, but using currencies can be tricky.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/08/with-no-jobs-at-home-some-americans-look-overseas.html\' >With No Jobs at Home, Some Americans Look Overseas</a></h3><p>                                      A new report from USAction highlights stories from the unemployed.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/08/6-steps-to-dig-out-of-debt.html\' >6 Steps to Dig Out of Debt</a></h3><p>                                      How to get out of the red permanently.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/08/a-year-end-retirement-checklist.html\' >A Year-End Retirement Checklist</a></h3><p>                                      Remember to complete these tasks before the end of December.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/08/5-ways-to-save-on-auto-insurance.html\' >5 Ways to Save on Auto Insurance</a></h3><p>                                      Ways to bring your rates down.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/08/why-bonds-are-grossly-misunderstood.html\' >Why Bonds are Grossly Misunderstood</a></h3><p>                                      Here’s how to effectively add bonds to your portfolio.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/08/the-long-and-short-of-longshort-funds.html\' >The Long and Short of Long/Short Funds</a></h3><p>                                      Mutual funds and ETFs take cues from hedge funds, offering a sophisticated investing strategy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/08/unraveling-required-minimum-distributions.html\' >Unraveling Required Minimum Distributions</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What to know when you have to take retirement payouts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/08/what-could-go-right-and-wrong-for-the-economy-in-2012.html\' >What Could Go Right (and Wrong) for the Economy in 2012</a></h3><p>                                      If things go right, 2012 could signal the beginning of the end of a four-year economic slump.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/08/study-up-on-money-matters.html\' >Study Up On Money Matters</a></h3><p>                                      Today, less than a quarter of states require a personal finance class for graduation.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/08/why-you-should-consider-a-credit-union.html\' >Why You Should Consider a Credit Union</a></h3><p>                                      They typically boast attractive loan rates and low account fees.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/08/what-to-think-about-before-becoming-an-entrepreneur.html\' >What to Think About Before Becoming an Entrepreneur</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Be sure your mom isn\'t the only one interested in your product.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/08/how-to-handle-getting-fired.html\' >How to Handle Getting Fired</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t burn any bridges with your former employer.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/07/why-smaller-can-be-better-for-entrepreneurs.html\' >Why Smaller Can Be Better for Entrepreneurs</a></h3><p>                                      A new book argues that turning down growth opportunities can lead to greater success.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/07/why-reverse-mortgage-delinquencies-are-extensive.html\' >Why Reverse Mortgage Delinquencies Are Extensive</a></h3><p>                                      An estimated 46,000 senior borrowers are behind in paying for home insurance and property taxes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/07/a-year-end-checklist-for-retirement-planning.html\' >A Year-End Checklist for Retirement Planning</a></h3><p>                                      Aspiring retirees should complete these tasks this December.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/07/how-to-answer-kids-tough-holiday-money-questions.html\' >How to Answer Kids\' Tough Holiday Money Questions</a></h3><p>                                      Questions about money and gifts can be difficult. Here’s how to handle three scenarios.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/07/should-you-become-a-landlord.html\' >Should You Become a Landlord?</a></h3><p>                                      Low prices and high rents mean that many buyers can immediately “cash flow” their rental property.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/07/what-to-expect-from-retailers-this-holiday-season.html\' >What to Expect from Retailers This Holiday Season</a></h3><p>                                      A behind-the-scenes look at how stores—and shoppers—are gearing up for the shopping days ahead.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/07/online-bargain-hunting-6-secrets-to-save-big.html\' >Online Bargain Hunting: 6 Secrets to Saving Big</a></h3><p>                                      A little research goes a long way to saving you money this holiday shopping season.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/07/5-year-end-financial-planning-moves.html\' >5 Year-End Financial Planning Moves</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Money advice to start 2012 off right.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/07/10-tips-to-ace-a-video-interview.html\' >10 Tips to Ace a Video Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Be ready for a video interview. They\'re becoming more popular.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/07/everything-you-need-to-know-about-submitting-a-resume.html\' >Everything You Need to Know About Submitting a Resume</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t overthink it. Follow these tips.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/06/how-to-brand-yourself-for-the-job-hunt.html\' >How to Brand Yourself for the Job Hunt</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Increase your chances of landing the job you want by selling yourself to employers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/06/popular-social-security-claiming-strategies.html\' >Popular Social Security Claiming Strategies</a></h3><p>                                      Take advantage of rules about spousal benefits to ensure you receive the maximum amount of payments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/12/06/sizing-up-your-employers-401k-plan.html\' >Sizing Up Your Employer’s 401(k) Plan</a></h3><p>                                      Find out how your company’s 401(k) plan compares to other firms.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/06/guide-to-holiday-tipping-etiquette.html\' >Guide to Holiday Tipping Etiquette</a></h3><p>                                      Even during tight economic times, thanking service workers is important—and expected.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/06/industry-pushes-lower-cost-reverse-mortgages.html\' >Industry Pushes Lower-Cost Reverse Mortgages</a></h3><p>                                      The HECM Saver cuts upfront costs dramatically.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/06/are-you-smarter-than-a-60-year-old.html\' >Are You Smarter Than a 60-Year-Old?</a></h3><p>                                      Take this quiz to find out.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/06/6-celebrity-estate-planning-errorsand-tips.html\' >6 Celebrity Estate Planning Errors—and Tips</a></h3><p>                                      Picking guardians for children, failing to update estate plans, and overpaying Uncle Sam are among the top mistakes.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/06/load-up-on-free-software.html\' >Load Up on Free Software</a></h3><p>                                      Here are some of the most reliable free software packages and services currently available.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/06/four-musts-to-achieve-your-2012-financial-goals.html\' >Four ‘Musts’ to Achieve Your 2012 Financial Goals</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Advice for setting financial goals.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/06/lil-wayne-launches-prepaid-card.html\' >Is Lil Wayne\'s New Prepaid Card a Money Pit?</a></h3><p>                                      The high costs of doing business with the rapper\'s Young Money Prepaid Card.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/05/the-most-tax-friendly-places-to-retire-abroad.html\' >The Most Tax-Friendly Places to Retire Abroad</a></h3><p>                                      These overseas retirement spots will reduce your tax burden.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/05/is-an-extended-senior-career-in-your-future.html\' >Is an Extended Senior Career in Your Future?</a></h3><p>                                      As jobs slowly recover, keeping experienced workers will be a rising priority for many employers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/12/05/6-ways-to-get-extra-perks-from-your-budget-hotel.html\' >6 Ways to Get Extra Perks at Budget Hotels</a></h3><p>                                      Make sure you’re getting the best value by seeking out some special offers, discounts, and freebies.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/05/11-retirement-benefit-changes-coming-in-2012.html\' >11 Retirement Benefit Changes Coming in 2012</a></h3><p>                                      Expect more 401(k) fee disclosures and bigger Social Security checks next year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/05/four-things-your-financial-advisor-should-do-for-you.html\' >Four Things Your Financial Advisor Should Do for You</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to build a lasting financial relationship.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/05/think-twice-before-dating-a-coworker.html\' >Think Twice Before Dating a Coworker</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Before you rush into dating a coworker, consider these tips.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/05/how-to-save-on-prescription-drugs.html\' >How to Save on Prescription Drugs</a></h3><p>                                      More than two dozen brand-name drugs will lose patent protection by 2015.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/05/tips-for-shopping-with-your-smartphone.html\' >Tips for Shopping With Your Smartphone</a></h3><p>                                      It’s a good time to master the basics of mobile money.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/12/02/how-to-cope-with-constant-market-turmoil.html\' >How to Cope with Constant Market Turmoil</a></h3><p>                                      Charles Schwab has developed guidelines for retirees facing constant investment uncertainties                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/12/02/how-much-you-get-if-your-pension-fails.html\' >How Much You Get if Your Pension Fails</a></h3><p>                                      American Airlines workers could lose over $1 billion in retirement benefits if their pension plans are terminated.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/02/why-investors-should-keep-their-eyes-on-the-cloud.html\' >Why Investors Should Keep Their Eyes on the Cloud</a></h3><p>                                      Analysts say cloud computing will revolutionize the way we use technology.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/02/job-seekers-who-to-add-to-your-google-circles.html\' >Job Seekers: Who to Add to Your Google+ Circles</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Here are 12 great resources for your job search.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/02/baby-boomers-make-old-the-new-young.html\' >Baby Boomers Make Old the New Young</a></h3><p>                                      Senior citizens are redefining what it means to be old.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/02/do-you-need-longevity-insurance.html\' >Do You Need Longevity Insurance?</a></h3><p>                                      These products are designed to help mitigate the unknowns of living to an advanced age.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/02/3-homegrown-obstacles-to-the-us-economic-recovery.html\' >3 Homegrown Obstacles to the U.S. Economic Recovery</a></h3><p>                                      Forget Europe: Problems at home could sink the U.S. economy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/02/use-the-catch-up-for-401k-investments.html\' >Use the Catch-Up for 401(k) Investments</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How catch-up investments can figure into your year-end planning                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/12/01/earn-an-extra-500-for-the-holidays.html\' >Earn an Extra $500 for the Holidays</a></h3><p>                                      These easy techniques for bringing in more cash can help offset the costs of gifts and travel.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/01/how-to-choose-between-a-401k-and-a-roth-ira.html\' >How to Choose Between a 401(k) and a Roth IRA</a></h3><p>                                      Here’s how to select the best tax-favored retirement account for your nest egg.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/01/entrepreneurship-is-like-skydiving.html\' >Entrepreneurship Is Like Skydiving</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      With great risk can come great reward.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/12/01/market-predictions-can-be-harmful-to-your-wealth.html\' >Market Predictions Can be Harmful to Your Wealth</a></h3><p>                                      Here is why you should ignore 2012 stock market predictions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/01/how-to-invest-in-the-globes-booming-population.html\' >How to Invest in the Globe\'s Booming Population</a></h3><p>                                      The long-term outlook appears strong for agricultural commodities, fossil fuels, and metals.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/12/01/how-does-your-company-rank-with-working-mother.html\' >How Does Your Company Rank With Working Mother?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Magazine Working Mother ranks companies according to the number of benefits they offer like work flexibility and parental leave.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/01/how-dividend-payers-boost-returns-and-reduce-risk.html\' >How Dividend Payers Boost Returns and Reduce Risk</a></h3><p>                                      With bond yields so low, these shares can be a good alternative for income-seeking investors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/12/01/who-says-wall-street-isnt-hurting.html\' >Who Says Wall Street Isn\'t Hurting?</a></h3><p>                                      Pay among big banks is expected to drop 27 percent this year to its lowest level since 2008.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/12/01/a-great-stock-tip.html\' >A Great Investing TIP</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      TIPs have crushed the broader market so far this year                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/30/community-service-work-increasingly-important-for-college-applicants.html\' >Community Service Work Increasingly Important for College Applicants</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Admissions officers are increasingly placing a larger emphasis on community service work when evaluating college applicants.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/30/10-myths-about-job-searching.html\' >10 Myths About Job Searching</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Most employers will tell you not to follow up by phone after an interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/30/china-etfs-on-sale-but-worth-the-risk.html\' >China ETFs On Sale, But Worth the Risk?</a></h3><p>                                      The country’s economic outlook, like the rest of the globe, is a puzzle.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/30/6-key-money-issues-for-seniors-in-2012.html\' >6 Key Money Issues for Seniors in 2012</a></h3><p>                                      Facing big economic and political risks, seniors also will see Social Security and Medicare boosts                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/30/stop-trying-to-retire-quickly-.html\' >Stop Trying to Retire Quickly</a></h3><p>                                      Instead aim to retire rich.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/30/5-ways-to-make-extra-income-online.html\' >5 Ways to Earn Extra Income Online</a></h3><p>                                      Earning extra money requires consistency, hard work, and a willingness to fail.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/30/in-this-market-the-appeal-of-go-anywhere-funds.html\' >In This Market, the Appeal of \'Go Anywhere\' Funds</a></h3><p>                                      These funds give portfolio managers considerable leeway in choosing among different asset classes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/30/why-you-should-invest-in-global-gorillas.html\' >Why You Should Invest in \'Global Gorillas\'</a></h3><p>                                      Global large caps offer a fairly conservative approach to investing in booming emerging markets.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/30/shopping-on-thanksgiving-is-for-the-birds.html\' >Shopping on Thanksgiving Is for the Birds</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Consumers flocked to stores last week.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/29/6-diy-projects-that-save-money.html\' >6 DIY Projects That Save Money</a></h3><p>                                      Growing your own potatoes and making your own candles can lower your expenses and also serve as homemade gifts.                                      </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/29/make-a-housing-plan-for-retirement.html\' >Make a Housing Plan for Retirement</a></h3><p>                                      Location, timing, and finances are part of a housing solution that will meet your needs in later years.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/29/7-end-of-year-tax-trimmers.html\' >7 End-of-Year Tax Trimmers</a></h3><p>                                      Decisions in the final months of 2011 can have a big impact on how much you could potentially save in 2012.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/29/working-into-your-70s-a-smart-retirement-move.html\' >Working Into Your 70s: A Smart Retirement Move</a></h3><p>                                      Extending your working shelf life means extending your savings.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/29/dont-make-this-bad-bet.html\' >Don’t Make This Bad Bet</a></h3><p>                                      Your chances of winning a state lottery jackpot are minuscule.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/29/6-affordable-places-to-retire-abroad-in-2012.html\' >6 Affordable Places to Retire Abroad in 2012</a></h3><p>                                      Consider these low-cost overseas retirement spots.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/29/more-baby-boomer-take-encore-careers.html\' >More Baby Boomers Launch Encore Careers</a></h3><p>                                      Older workers are delaying retirement to begin second careers helping others.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/29/take-advantage-of-free-shipping-deals-this-holiday-season.html\' >Take Advantage of Free Shipping Deals This Holiday Season</a></h3><p>                                      A record 92.5 percent of online retailers say they’ll offer free shipping.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/29/8-reasons-to-continue-your-holiday-job-search.html\' >8 Reasons to Continue Your Holiday Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t give up your search during the holiday season.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/29/should-you-move-your-401k-to-safe-investments.html\' >Should You Move Your 401(k) to \'Safe\' Investments?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Money market funds may seem safe, but there are hidden risks.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/28/5-off-peak-winter-travel-destinations.html\' >5 Great Off-Peak Winter Travel Destinations</a></h3><p>                                      Make the most of the latest winter travel deals.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/28/big-drug-hikes-in-some-2012-medicare-plans.html\' >Big Drug Hikes in Some 2012 Medicare Plans</a></h3><p>                                      Lower average premiums for prescription plans may mask steeper co-pays and costly pricing tiers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/28/10-reasons-you-dont-want-to-be-the-boss.html\' >10 Reasons You Don’t Want to Be the Boss</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      As a manager, you\'ll have to handle layoffs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/28/how-to-live-happily-on-less.html\' >How to Live Happily on Less</a></h3><p>                                      As creative economizers are discovering, cutting back doesn’t have to mean giving up the good life.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/28/the-rules-of-responsible-financial-parenting.html\' >The Rules of Responsible Financial Parenting</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Start early and encourage practical learning.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/28/life-after-age-90.html\' >Life After Age 90</a></h3><p>                                      The 90-plus population is expected to more than quadruple between 2010 and 2050.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/25/giving-thanks-for-growing-old.html\' >Giving Thanks for Growing Old</a></h3><p>                                      This Thanksgiving, take a look at the positive aspects of aging.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/24/why-you-should-rebalance-your-portfolio.html\' >Why You Should Rebalance Your Portfolio</a></h3><p>                                      Thanksgiving weekend is the perfect opportunity to check your asset allocation.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/24/your-brain-may-not-let-you-be-a-smart-investor.html\' >Your Brain May Not Let You Be a Smart Investor</a></h3><p>                                      Retirement savers often ignore evidence when selecting investments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/23/how-americans-are-rethinking-prosperity.html\' >How Americans Are Rethinking Prosperity</a></h3><p>                                      Many are shifting their focus to “life satisfaction” and away from consumption.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/23/how-to-stretch-your-retirement-savings.html\' >How to Stretch Your Retirement Savings</a></h3><p>                                      These strategies will help your nest egg to last longer.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/23/talking-turkey-about-aging-and-retirement.html\' >Talking Turkey About Aging and Retirement</a></h3><p>                                      When your family is gathered for Thanksgiving, it may be time for these discussions about the future.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/23/workers-pushing-back-their-retirement-age.html\' >Workers Pushing Back Their Retirement Age</a></h3><p>                                      Employees are planning to delay retirement to accumulate more savings.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/23/how-to-look-and-feel-your-best-for-holiday-networking.html\' >How to Look and Feel Your Best for Holiday Networking</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It’s easy to say appearance doesn’t matter, but there’s no doubt first impressions count.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/23/7-strategies-for-black-friday-and-cyber-monday.html\' >7 Strategies for Black Friday and Cyber Monday</a></h3><p>                                      Tips to help you come out ahead on this busy shopping weekend.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/23/how-blogging-can-help-your-career.html\' >How Blogging Can Help Your Career</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If you like to write, blogging can be a boon to your career.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/23/stocks-or-mutual-funds-which-is-right-for-you.html\' >Stocks or Mutual Funds: Which Is Right For You?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What are your goals as an investor?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/22/holiday-shopping-online-during-work-employers-are-taking-notice.html\' >Holiday Shopping Online During Work? Employers Are Taking Notice</a></h3><p>                                      More than 20 percent of employers say they’ve fired someone for using the Web for personal activities.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/22/how-to-downsize-your-possessions.html\' >How to Downsize Your Possessions</a></h3><p>                                      The goal is to shed unneeded material things but keep alive the treasured memories they symbolize.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/22/home-for-the-holidays-how-to-handle-5-awkward-money-questions.html\' >Home for the Holidays? How to Handle 5 Awkward Money Questions</a></h3><p>                                      Advice from etiquette experts on fielding uncomfortable questions from friends and family.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/22/5-reasons-to-skip-black-friday-sales.html\' >5 Reasons to Skip Black Friday Sales</a></h3><p>                                      The doorbusters are priced low, but that doesn’t mean shoppers always come out ahead.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/22/why-a-new-car-is-a-better-deal-than-used.html\' >Why a New Car is a Better Deal than Used</a></h3><p>                                      Five reasons buying a new car is a better bargain.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/22/10-faux-pas-to-avoid-when-starting-a-new-job.html\' >10 Faux Pas to Avoid When Starting a New Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t try to be a know-it-all.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/22/how-to-lose-money-investing-in-bonds.html\' >How to Lose Money Investing in Bonds</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Interest rates are bound to go up eventually.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/22/10-ways-to-stay-safe-while-shopping-online.html\' >10 Ways to Stay Safe While Shopping Online</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Wield that smartphone carefully, and don’t click on embedded links.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/21/how-to-reclaim-the-spirit-of-thanksgiving.html\' >How to Reclaim the Spirit of Thanksgiving</a></h3><p>                                      Retailers might be turning Thursday into a shopping holiday, but we don’t have to go along with that plan.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/21/year-end-tax-planning-tips-for-seniors.html\' >Year-End Tax Planning Tips for Seniors</a></h3><p>                                      Uncertainty about future tax rates and estate rules dominates this year’s tax planning efforts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/21/moving-to-belize-in-your-70s.html\' >Moving to Belize in Your 70s</a></h3><p>                                      How one couple decided to move abroad in retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/21/what-students-dont-learn-about-work-in-college.html\' >What Students Don’t Learn About Work in College</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Employers are looking for experience, not just knowledge.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/21/how-to-keep-your-holiday-spending-in-check.html\' >How to Keep Your Holiday Spending in Check</a></h3><p>                                      Tips on responsible spending, handling “frugal fatigue,” and more.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/21/the-10-sunniest-places-to-retire.html\' >The 10 Sunniest Places to Retire</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These cities get more sunshine than any other places in the country.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/21/6-mobile-apps-to-keep-you-sane-during-the-holidays.html\' >6 Mobile Apps to Keep You Sane During the Holidays</a></h3><p>                                      Whether you’re shopping for last-minute gifts or stocking up at the grocery store, take advantage of these handy apps.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/21/college-prep-five-reasons-to-study-up-on-529-plans.html\' >College Prep: Five Reasons to Study Up on 529 Plans</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A look at what these plans have to offer                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/18/20-ways-to-stay-busy-in-retirement.html\' >20 Ways to Stay Busy in Retirement</a></h3><p>                                      These activities will add meaning to your retirement years.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/18/estate-plans-reeling-from-volatility-fatigue.html\' >Estate Plans Reeling from \'Volatility Fatigue\'</a></h3><p>                                      Seniors shift focus from heirs to own needs, while the rich ponder uncertain future of estate tax rules.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/18/geographic-differences-in-retirement-readiness.html\' >Geographic Differences in Retirement Readiness</a></h3><p>                                      Investors who live in certain places are better prepared for retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/18/6-tips-for-moving-your-career-forward.html\' >6 Tips for Moving Your Career Forward</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      80 percent or more of your job search should be spent offline.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/18/are-employers-to-blame-for-the-skills-gap.html\' >Are Employers to Blame for the Skills Gap?</a></h3><p>                                      In a new survey, workers say they’ve been forced to develop new skills on their own.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/18/5-odd-ways-to-leave-your-job.html\' >5 Ways to Leave Your Job</a></h3><p>                                      If you\'re ready for a change from the day-to-day life of the cubicle, maybe it\'s time to consider breaking out on your own.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/18/what-happens-if-italys-economy-collapses.html\' >What Happens if Italy\'s Economy Collapses?</a></h3><p>                                      How businesses and consumers in the United States would be negatively affected.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/18/retirement-risks-high-seas-ahead.html\' >Retirement Risks: High Seas Ahead!</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These hardships can derail your retirement plans.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/17/stop-paying-wall-street-to-take-your-money.html\' >Stop Paying Wall Street to Take Your Money</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why active investing is a fool\'s game                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/17/professional-women-choosing-flexibility-over-higher-pay.html\' >Professional Women Choosing Flexibility Over Higher Pay</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      In a new survey, 75 percent of women say they would rather have more free time than make more money in their jobs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/17/should-you-sell-or-hold-stock-during-a-takeover-bid.html\' >Should You Sell or Hold Stock During a Takeover Bid?</a></h3><p>                                      Here is how to evaluate the likelihood of success of a hostile takeover bid.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/17/how-to-build-an-effective-facebook-landing-page.html\' >How to Build an Effective Facebook Landing Page</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tip and tricks for building a page that attracts “likes” and builds a thriving community.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/17/social-experiment-tests-how-far-youll-go-to-find-20.html\' >Social Experiment Tests How Far You\'ll Go to Find $20</a></h3><p>                                      What happens when two friends hide free cash around Boston each day, then blast its location.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/17/4-tips-to-help-you-with-annuities.html\' >4 Tips to Help You With Annuities</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to evaluate fees and structures                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/17/larger-temporary-workforce-could-be-new-normal.html\' >Larger Temporary Workforce Could Be New Normal</a></h3><p>                                      Since the end of the recession, 54 percent of new jobs created have been temp work.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/16/whats-your-budget-for-risk.html\' >What\'s Your Budget for Risk?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to balance risk against returns                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/16/pension-agency-reports-record-deficit.html\' >Pension Agency Reports Record Deficit</a></h3><p>                                      The PBGC took over 152 failed pension plans in fiscal year 2011.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/16/5-retirement-killers-to-avoid-in-your-50s.html\' >5 Retirement Killers to Avoid in Your 50s</a></h3><p>                                      Don’t make these midlife retirement planning mistakes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/16/family-caregiving-needs-likely-to-soar.html\' >Family Caregiving Needs Likely to Soar</a></h3><p>                                      Financial and demographic forces point to long-term shift to unpaid care for aging seniors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/16/how-to-find-the-best-bank-account-for-you.html\' >How to Find the Best Bank Account for You</a></h3><p>                                      These six strategies will help you minimize your fees, even if you stay with your current bank.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/16/3-reasons-to-ignore-celebrity-financial-services-endorsements-.html\' >3 Reasons to Ignore Celebrity Financial Services Endorsements </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t let distractions get in the way of your plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/16/10-workplace-myths-busted.html\' >10 Workplace Myths Busted</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      You can get unemployment benefits even if you\'re fired.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/16/how-to-avoid-errors-in-your-resume.html\' >How to Avoid Errors in Your Resume</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Create an exclusive dictionary for yourself in Microsoft Office.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/16/investing-in-art-how-to-profit-from-your-passion.html\' >Investing in Art: How to Profit From Your Passion</a></h3><p>                                      If you can overcome its steep entry point, art can help spread risk and generate solid returns.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/15/do-you-need-liability-insurance-.html\' >Do You Need Liability Insurance? </a></h3><p>                                      Even small-time entrepreneurs might want to consider protecting themselves from potential lawsuits.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/15/looking-at-aging-with-fresh-eyes.html\' >Looking at Aging with Fresh Eyes</a></h3><p>                                      As senior populations soar, it’s past time to reevaluate exactly what it means to be old.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/15/raise-my-interest-rates.html\' >Raise My Interest Rates</a></h3><p>                                      Retirees deserve an interest rate above inflation on their savings accounts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/15/are-leveraged-etfs-ever-right-for-retail-investors.html\' >Are Leveraged ETFs Ever Right for Retail Investors?</a></h3><p>                                      The answer depends on your level of sophistication and investing time horizon.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/15/whos-hiring.html\' >Who\'s Hiring</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Job growth won\'t be evenly distributed across industries.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/15/6-steps-to-winterizing-your-home.html\' >6 Steps to Winterize Your Home Now</a></h3><p>                                      With a weekend\'s worth of work, just about anyone can take the steps necessary to keep their home protected.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/15/when-are-capital-gains-distributions-a-bad-thing.html\' >When Are Capital Gains Distributions a Bad Thing?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      When should you consider selling before the record date?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/15/how-to-be-a-bridesmaid-without-going-broke.html\' >How to be a Bridesmaid Without Going Broke</a></h3><p>                                      Celebrating friends’ nuptials need not mean destroying your own finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/14/should-you-insure-your-new-iphone-.html\' >Should You Insure Your New iPhone? </a></h3><p>                                      Given their high replacement cost and fragility, iPhones come with pricey insurance options.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/14/the-6-best-places-to-be-a-snowbird.html\' >The 6 Best Places to Be a Snowbird</a></h3><p>                                      Avoid winter in these balmy retirement destinations.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/14/deciding-when-to-take-social-security.html\' >Deciding When to Take Social Security</a></h3><p>                                      The age you sign up could dramatically impact your retirement cash flow.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/14/new-financial-standards-for-reverse-mortgages.html\' >New Financial Standards for Reverse Mortgages</a></h3><p>                                      New requirements will tie loan approvals to seniors’ ability to pay home taxes, insurance, and upkeep.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/14/the-most-important-advice-for-managers.html\' >The Most Important Advice for New Managers</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Set clear standards for you team.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/14/how-co-workers-influence-your-401k-choices.html\' >How Co-Workers Influence Your 401(k) Choices</a></h3><p>                                      Your colleagues may be impacting how you save and invest for retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/14/fixed-annuities-the-missing-piece-of-your-retirement-planning-puzzle.html\' >Fixed Annuities: The Missing Piece of Your Retirement Planning Puzzle?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Fixed annuities offer tax advantages and steady income.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/14/7-ways-credit-unions-are-better-than-banks.html\' >7 Ways Credit Unions Are Better Than Banks</a></h3><p>                                      Could moving your hard-earned dollars out of the larger, Wall Street-operated banks also be good for your wallet?                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/11/deciding-how-much-to-contribute-to-a-401k.html\' >Deciding How Much to Contribute to a 401(k)</a></h3><p>                                      These strategies will help you to maximize the value of your 401(k) plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/11/baby-boomer-retirement-plans-missing-crucial-piece.html\' >Baby Boomer Retirement Plans Missing Crucial Piece</a></h3><p>                                      Make sure you are prepared for these non-financial aspects of retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/11/rising-senior-wealth-not-true-for-all.html\' >Rising Senior Wealth Not True for All</a></h3><p>                                      Reports showing older Americans faring well are averages that obscure a different reality for many.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/11/what-growing-enthusiasm-for-the-yuan-signals-for-the-us-economy.html\' >What Growing Enthusiasm for the Yuan Signals for the U.S. Economy</a></h3><p>                                      Why Nigeria’s shift away from dollars to Chinese currency is likely a sign of things to come.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/11/how-to-recognize-sexual-harassment-in-the-workplace.html\' >How to Recognize Sexual Harassment in the Workplace</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s a basic workplace rights issue.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/11/consumers-confidence-and-a-time-to-buy-.html\' >Consumers, Confidence, and a Time to Buy </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Low confidence levels could signal an impending rebound.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/11/the-5-fee-heard-round-the-world.html\' >The $5 Fee Heard \'Round the World</a></h3><p>                                      The failed $5 debit card fee is just the beginning.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/10/why-investors-make-terrible-decisions.html\' >Why Investors Make Terrible Decisions</a></h3><p>                                      Investors who panicked after the 2008 downturn missed the market recovery.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/10/reduce-driving-to-save-money-in-retirement.html\' >Reduce Driving to Save Money in Retirement</a></h3><p>                                      Giving up a second car could improve your retirement finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/10/economy-creating-mostly-low-paying-jobs.html\' >Economy Creating Mostly Low-Paying Jobs</a></h3><p>                                      Over the next four years, Moody’s projects the creation of 12 million mostly low-paying jobs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/10/your-cash-aint-nothing-but-trash.html\' >Your Cash Ain\'t Nothing But Trash</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t drive with your foot on the brakes.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/10/dieting-in-preparation-for-retirement.html\' >\'Dieting\' in Preparation for Retirement</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to slim down                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/10/how-to-set-yourself-apart-from-other-newbie-entrepreneurs.html\' >How to Set Yourself Apart From Other Newbie Entrepreneurs</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Here are a few tips to give new startup entrepreneurs an edge over the competition.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/10/should-you-take-on-a-second-job.html\' >Should You Take on a Second Job?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      In today\'s economy, it\'s becoming more popular to take on a second gig.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/09/how-to-host-holiday-gatherings-for-less.html\' >How to Host Holiday Gatherings for Less</a></h3><p>                                      You don’t have to blow your budget to have a festive meal with family and friends.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/09/how-to-size-up-your-retirement-nest-egg.html\' >How to Size Up Your Retirement Nest Egg</a></h3><p>                                      True values of pensions and Social Security may bring you closer to retirement adequacy than you think.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/09/5-ways-to-quell-retirement-money-worries.html\' >5 Ways to Quell Retirement Money Worries</a></h3><p>                                      These strategies will help you eliminate financial anxieties in retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/09/housesharing-a-hotel-alternative-for-frugal-travelers.html\' >Housesharing: A Hotel Alternative for Frugal Travelers</a></h3><p>                                      Housesharing sites connect travelers with everything from rooms for rent to couches to crash on.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/09/do-you-need-a-second-job.html\' >Do You Need a Second Job?</a></h3><p>                                      According to one author, more Americans should be doubling up in today’s economy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/09/7-ways-to-make-an-extra-1000-this-month.html\' >7 Ways to Earn an Extra $1,000 This Month</a></h3><p>                                      How to be more financially productive during the workday.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/09/true-or-false-target-date-funds-guarantee-retirement-success.html\' >True or False: Target-Date Funds Guarantee Retirement Success?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What to look for in a TDF                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/09/10-questions-you-should-never-ask-in-a-job-interview.html\' >10 Questions You Should Never Ask in a Job Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t ask about benefits in the first interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/09/how-to-stand-out-when-applying-for-a-job.html\' >How to Stand out When Applying for a Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Read about an employer before you interview with them.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/08/how-to-move-ahead-when-the-economy-is-stuck.html\' >How to Move Ahead When the Economy Is Stuck</a></h3><p>                                      With the recovery firmly in neutral, here are steps you can take to put your own life back in gear.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/08/8-ways-to-create-stronger-passwords.html\' >8 Ways to Create Stronger Passwords</a></h3><p>                                      When you use the same password across multiple accounts, your email and your money are vulnerable.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/08/wealth-gap-between-young-and-old-grows.html\' >Wealth Gap Between Young and Old Grows</a></h3><p>                                       A new study finds older adults have seen greater gains in wealth than younger people.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/08/while-more-men-are-finding-work-women-continue-to-lose-jobs.html\' >While More Men Are Finding Work, Women Continue to Lose Jobs</a></h3><p>                                      Since June 2009, women have lost 117,000 jobs, while men have gained more than 1.1 million.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/08/11-secrets-of-frugal-bloggers.html\' >11 Secrets of Frugal Bloggers</a></h3><p>                                      From taking cold showers to making cleaning supplies, these ideas aren’t for the faint of heart.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/08/401k-decisions-you-can-take-it-with-you.html\' >401(k) Decisions—You CAN Take It With You</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Cash distributions aren\'t the only option.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/08/time-for-tax-loss-harvesting-.html\' >Time for Tax-Loss Harvesting </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Putting your losses to use                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/08/change-your-assumptions-for-retirement.html\' >Change Your Assumptions for Retirement</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to account for taxes, inflation, and investments                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/08/how-to-dress-for-a-job-interview.html\' >How to Dress for a Job Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s better to be understated.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/07/for-seniors-there-are-no-small-benefit-cuts.html\' >For Seniors, There Are No Small Benefit Cuts</a></h3><p>                                      As the budget debate intensifies, the true cost of possible senior cuts is starting to emerge.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/07/7-ways-to-save-time-and-money-on-holiday-travel.html\' >7 Ways to Save Time and Money on Holiday Travel</a></h3><p>                                      Strategies to find the best deals on hotels, flights, and travel packages.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/07/10-things-employers-forget-when-hiring.html\' >10 Things Employers Forget When Hiring</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Employers make mistakes, too.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/07/how-to-play-defense-against-volatility-in-your-portfolio.html\' >How to Play Defense Against Volatility in Your Portfolio</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Time and diversification heal short-term wounds.                                      </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/07/how-to-maximize-the-higher-401k-contribution-limit.html\' >How to Maximize the Higher 401(k) Contribution Limit</a></h3><p>                                      In 2012, you can defer taxes on an extra $500 in your 401(k).                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/07/5-rules-for-short-term-house-rentals.html\' >5 Rules for Short-Term House Rentals</a></h3><p>                                      Housesharing this holiday season? Here’s how to maximize your earnings and protect your property.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/04/to-avoid-poverty-share-a-home-with-family.html\' >To Avoid Poverty, Share a Home with Family</a></h3><p>                                      When hardship strikes, many people find financial comfort by living with parents or relatives.                                      </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/04/are-no-fee-balance-transer-credit-cards-fro-real.html\' >The Skinny on No-Fee Balance Transfer Credit Cards </a></h3><p>                                      These cards offer an easy way to reduce your interest expense, but beware of issuers bearing gifts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/04/employers-restore-401k-matches.html\' >Employers Restore 401(k) Matches</a></h3><p>                                      Companies that suspended 401(k) contributions during the recession have largely reinstated them.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/11/04/how-to-calculate-your-retirement-number.html\' >How to Calculate Your Retirement Number</a></h3><p>                                      A new study examines how much you need to save each year for a comfortable retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/04/how-the-housing-crisis-reshaped-retirement.html\' >How the Housing Crisis Reshaped Retirement</a></h3><p>                                      Beyond loss of wealth, the housing downturn has meant loss of choices and confidence in the future.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/04/new-survey-highlights-skills-gap-in-labor-market.html\' >New Survey Highlights Skills Gap in Labor Market</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      There\'s a gap between what hiring managers look for in an employee and what applicants offer.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/04/finding-hope-in-cancer.html\' >Finding Hope in Cancer</a></h3><p>                                      The older we get, the more likely developing cancer becomes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/04/borrowing-from-the-family-bank.html\' >Borrowing From the Family Bank</a></h3><p>                                      Intra-family loans offer attractive interest rates and tax advantages.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/03/the-consequences-of-a-debt-committee-stuck-in-neutral.html\' >The Consequences of a Debt Committee Stuck in Neutral</a></h3><p>                                      What their inaction could mean for America.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/03/your-broker-is-probably-a-master-of-illusion.html\' >Your Broker Is Probably a Master of Illusion</a></h3><p>                                      Investment pros are often friendly and articulate, but that doesn’t mean they are dispensing sound financial advice.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/03/when-your-boss-is-younger-than-your-child.html\' >When Your Boss is Younger than Your Child</a></h3><p>                                      If you work into your 60s and 70s, you will need to mix successfully with younger generations.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/03/retirees-need-to-plan-for-a-support-system.html\' >Retirees Need to Plan for a Support System</a></h3><p>                                      Figure out who can provide help if you need it in retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/03/mf-globals-piig-problem.html\' >MF Global\'s PIIGS Problem</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Is your money safe?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/03/who-are-your-fiduciaries.html\' >Who Are Your Fiduciaries?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Who they are, and how you can hold them responsible.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/03/how-to-apply-for-a-government-job.html\' >How to Apply for a Government Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Many government workers have flexible schedules that allow employees to take more three-day weekends.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/03/7-tips-for-transforming-ideas-for-good-into-impact.html\' >7 Tips for Transforming Ideas for Good Into Impact</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Here are some strategies to get over your fear and make your idea a reality.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/02/whats-your-relationship-with-george-.html\' >What’s Your Relationship with “George”? </a></h3><p>                                      Life coach Christine Hassler recommends thinking about money as if it\'s a person.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/02/a-beginners-guide-to-understanding-etfs.html\' >A Beginner\'s Guide to Understanding ETFs</a></h3><p>                                      If exchange-traded funds sound like exotic investments, here’s what you need to know.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/02/3-tips-to-stay-on-track-in-your-job-search.html\' >3 Tips to Stay on Track in Your Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Many job seekers fail to plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/02/little-tricks-that-can-increase-your-returns.html\' >Little Tricks That Can Increase Your Returns</a></h3><p>                                      A few minor adjustments could significantly boost your investment income.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/02/should-employers-pay-for-interview-travel-expenses.html\' >Should Employers Pay for Interview Travel Expenses?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If you want to relocate, you may just want to factor these costs into your overall plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/02/2-critical-questions-to-ask-when-purchasing-a-car-maintenance-plan-.html\' >2 Critical Questions To Ask Before Purchasing a Car Maintenance Plan </a></h3><p>                                      Before you start negotiating the deal, it’s important to understand each of the services offered so they don’t overlap.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/02/three-reasons-to-pay-off-your-mortgage-early.html\' >Three Reasons to Pay Off Your Mortgage Early</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      There\'s more to consider than just interest rates.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/02/bonds-beat-stocks-for-the-last-30-years-what-now.html\' >Bonds Beat Stocks for the Last 30 Years—What Now?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What to make of this anomaly                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/02/9-money-strategies-for-creative-thinkers.html\' >9 Money Strategies for Creative Thinkers</a></h3><p>                                      If you’re a visual person, standard financial strategies probably don’t work for you.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/02/how-medicare-premiums-affect-social-security-payments.html\' >How Medicare Premiums Affect Social Security Payments</a></h3><p>                                      Your Medicare Part B premiums won’t eliminate your Social Security boost in 2012.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/11/01/how-to-tweet-like-dale-carnegie.html\' >How to Tweet Like Dale Carnegie</a></h3><p>                                      The 20th century guru’s philosophy contains many modern lessons for the social media age.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/11/01/how-to-prepare-for-your-long-term-care-needs-2.html\' >How to Prepare for Your Long-Term Care Needs</a></h3><p>                                      Whether it’s for yourself or a loved one, here are the steps for putting together a plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/11/01/5-things-to-buy-used.html\' >5 Things to Buy Used</a></h3><p>                                      Sometimes these items are even better than a brand new purchase.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/11/01/many-professional-women-dont-have-mentors.html\' >Many Professional Women Don\'t Have Mentors</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Nearly one out of every five professional women has never had a mentor, according to a new LinkedIn study.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/11/01/life-insurance-avoid-universal-and-variable-policies.html\' >Life Insurance: Avoid Universal and Variable Policies</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why term policies are the best option                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/11/01/4-steps-to-take-when-preparing-to-buy-a-home.html\' >4 Steps to Take When Preparing to Buy a Home</a></h3><p>                                      Whether you want to buy a home before the end of the year or wait until 2012, there are some things you can do now to prepare.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/01/new-fund-could-help-finance-your-startup.html\' >New Fund Could Help Finance Your Startup</a></h3><p>                                      Young entrepreneurs can apply for funding from Gen Y Capital Partners.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/11/01/how-one-amateur-investor-spots-stocks-before-wall-street.html\' >How One Amateur Investor Spots Stocks Before Wall Street</a></h3><p>                                      Do amateur investors like you have any advantages over professionals?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/31/time-to-replace-your-debit-card-with-a-prepaid-card.html\' >Time to Replace Your Debit Card With a Prepaid Card?</a></h3><p>                                      Prepaid cards, a good option for people who want more control over their spending, could be a cheaper alternative to debit cards.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/31/14-things-to-consider-when-renting-abroad.html\' >14 Things to Consider When Renting Abroad</a></h3><p>                                      Take these precautions when renting a home or apartment in a foreign country.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/31/how-to-deal-with-a-bad-interviewer.html\' >How to Deal With a Bad Interviewer</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Try not to get frustrated if the interviewer seems unprepared.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/31/how-the-supercommittee-deficit-plan-may-affect-seniors.html\' >How the Supercommittee Deficit Plan May Affect Seniors</a></h3><p>                                      Failure to agree on a plan would trigger modest cuts to Medicare but spare Social Security and Medicaid.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/31/yours-mine-and-ours-a-couples-guide-to-retirement-planning.html\' >Yours, Mine, and Ours: A Couple\'s Guide to Retirement Planning</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for a joint retirement                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/31/the-recessions-impact-on-baby-boomer-retirement.html\' >The Recession\'s Impact on Baby Boomer Retirement</a></h3><p>                                      Workers on the verge of retirement continue to be worse off than before the recession.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/28/2012-medicare-plans-will-lower-some-costs.html\' >2012 Medicare Plans Will Lower Some Costs</a></h3><p>                                      Hike in Social Security payments will stay in seniors’ pockets due to modest Medicare price changes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/28/retiring-baby-boomers-will-change-rules-of-hiring.html\' >Retiring Baby Boomers Will Change Rules of Hiring</a></h3><p>                                      Employers may need baby boomers to delay retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/28/the-big-business-of-personal-finance-blogs.html\' >The Big Business of Personal Finance Blogs</a></h3><p>                                      Large public companies having been quietly buying personal finance blogs for seven- and even eight-figure amounts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/28/tax-free-wealth-transfer-this-seasons-best-gift.html\' >Tax-Free Wealth Transfer: This Season\'s Best Gift</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Give it before Uncle Sam takes it away.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/28/how-to-launch-an-international-career.html\' >How to Launch an International Career</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Consider trying to learn a foreign language.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/28/the-worlds-25-best-multinational-workplaces.html\' >The World\'s 25 Best Multinational Workplaces</a></h3><p>                                      Microsoft, SAS, and NetApp were chosen as the top three.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/28/how-consumers-and-communities-can-benefit-from-buying-local.html\' >How Consumers and Communities Can Benefit From \'Buying Local\'</a></h3><p>                                      Comparison shopping between independent stores and chains is about overall value, not just price.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/27/do-you-need-to-form-an-llc-.html\' >Do You Need to Form an LLC? </a></h3><p>                                      One advisor says that almost anyone engaged in online commerce should have one for protection.                                      </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/27/a-system-designed-to-separate-you-from-your-money.html\' >A System Designed to Separate You From Your Money</a></h3><p>                                      Given countless examples of misconduct, why do we continue to invest with brokers?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/10/27/more-savers-to-get-investment-advice-in-401ks.html\' >More Savers to Get 401(k) Investment Advice</a></h3><p>                                      A new rule expands who can offer investment advice to retirement account participants.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/27/why-we-need-to-redefine-retirement.html\' >Why We Need to Redefine Retirement</a></h3><p>                                      A traditional retirement won’t be possible or desirable for the baby boomers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/27/employers-will-check-your-social-media-profiles.html\' >Employers Will Check Your Social Media Profiles</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What is written on the web stays on the web.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/27/credit-education-just-a-phone-call-away.html\' >Credit Education Just a Phone Call Away</a></h3><p>                                      New service from Experian offers one-on-one credit report and credit score education.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/27/whats-with-all-of-the-fund-changes.html\' >What\'s With All of the Fund Changes?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why your fund options make look different                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/27/why-your-investment-portfolio-is-not-diversified.html\' >Why Your Investment Portfolio Is Not Diversified</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How ETFs can help                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/27/why-mutual-funds-make-sense-in-a-volatile-market.html\' >Why Mutual Funds Make Sense in a Volatile Market</a></h3><p>                                      Violent swings may be here to stay, which makes investing in individual stocks risky.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/26/15-ways-to-stop-wasting-money-on-food.html\' >15 Ways to Stop Wasting Money on Food</a></h3><p>                                      Americans waste billions of pounds of food a year; here’s how to stop.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/26/how-parents-can-help-their-kids-look-for-a-job.html\' >How Parents Can Help Their Kids Look for a Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Never write any material like cover letters for your children.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/26/5-ways-to-retire-on-a-small-income.html\' >5 Ways to Retire on a Small Income</a></h3><p>                                      You don’t need to earn more money to set yourself up for a comfortable retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/26/how-you-can-protect-your-pension-benefits.html\' >How You Can Protect Your Pension Benefits</a></h3><p>                                      With public and private plans under pressure, here are the steps to understanding your plan’s health.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/26/6-ways-to-stand-out-in-a-tough-job-market.html\' >6 Ways to Stand out in a Tough Job Market</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Follow this mantra: Give to get.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/26/401k-investment-strategies-through-the-years.html\' >401(k) Investment Strategies Through the Years</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for making the most of your 401(k)                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/26/how-to-lower-your-gas-bill.html\' >How to Lower Your Gas Bill</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Eight ways to cut back as energy costs continue to rise.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/26/how-to-ride-out-market-swings-with-low-volatility-etfs.html\' >How to Ride Out Market Swings With Low-Volatility ETFs</a></h3><p>                                      Market gyrations usher in a growing crop of low-volatility indexes and ETFs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/25/why-investors-lag-the-market.html\' >Why Investors Lag the Market</a></h3><p>                                      Savers often make emotional investment decisions or follow illogical advice.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/25/6-retiree-issues-that-must-be-addressed.html\' >6 Retiree Issues That Must Be Addressed</a></h3><p>                                      As older Americans become a larger segment of society, today’s financial and health crises will worsen.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/25/why-investors-dont-need-multiple-advisors.html\' >Why Investors Don\'t Need Multiple Advisors</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      One is enough.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/25/how-to-decipher-job-ads.html\' >How to Decipher Job Ads</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Focus on keywords.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/25/is-your-home-underinsured.html\' >Is Your Home Underinsured?</a></h3><p>                                      A recent survey reports that 1 in 3 respondents are buying less homeowners insurance to save money.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/25/10-extreme-saving-strategies-for-halloween.html\' >10 Extreme Saving Strategies for Halloween</a></h3><p>                                      A few suggestions: Make your own costume, buy decorations months in advance, or just ignore the holiday                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/24/how-to-achieve-your-money-goals.html\' >How to Achieve Your Money Goals</a></h3><p>                                      The latest research suggests that you should make a plan, but not necessarily a specific one.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/24/7-reasons-to-retire-to-uruguays-golden-coast.html\' >7 Reasons to Retire to Uruguay’s Golden Coast</a></h3><p>                                      This 30-mile stretch of shoreline is beautiful, safe, and affordable.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/24/why-is-the-social-security-hike-seen-as-bad-news.html\' >Why is the Social Security Hike Seen as Bad News?</a></h3><p>                                      Good news is bad politics in Washington these days; so it is with the 2012 Social Security increase.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/24/7-bad-habits-fueling-your-debt-addiction.html\' >7 Bad Habits Fueling Your Debt Addiction</a></h3><p>                                      Americans accumulated $18.4 billion in credit card debt in the second quarter of 2011 alone.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/24/10-myths-about-nonprofit-work.html\' >10 Myths About Non-Profit Work</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Smart non-profits strive to pay competitive salaries.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/24/7-tips-for-picking-a-2012-medicare-part-d-plan.html\' >7 Tips for Picking a 2012 Medicare Part D Plan</a></h3><p>                                      Consider switching into a plan with lower costs or better coverage next year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/24/skills-gap-plagues-us-manufacturing-industry.html\' >Skills Gap Plagues U.S. Manufacturing Industry</a></h3><p>                                      Because of a lack of qualified applicants, as many as 600,000 manufacturing jobs remain unfilled.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/21/how-to-build-your-retirement-dream-team.html\' >How to Build Your Retirement Dream Team</a></h3><p>                                      A solid retirement plan should include financial, legal, and family advisers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/10/21/401k-and-ira-changes-coming-in-2012.html\' >401(k) and IRA Changes Coming in 2012</a></h3><p>                                      The 401(k) contribution limit will increase by $500 to $17,000 next year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/21/most-baby-boomers-will-work-for-life.html\' >Most Baby Boomers Will Work for Life</a></h3><p>                                      Delaying retirement indefinitely doesn’t have to be unpleasant if you pick the right job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/21/the-bank-fee-wakeup-call.html\' >The Bank Fee Wake-Up Call</a></h3><p>                                      Customers often believe that they wield power with the threat of closing accounts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/21/reits-in-2011-mistake-or-opportunity.html\' >REITs in 2011: Mistake or Opportunity?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why REITs still have appeal                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/21/10-new-websites-for-your-job-search.html\' >10 New Websites for Your Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      New websites are popping up everyday.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/21/considering-a-credit-union-3-factors-to-think-about.html\' >Considering a Credit Union? 3 Factors to Think About</a></h3><p>                                      Before you make the switch, check fees, availability of services, and interest rates                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/20/what-japan-can-teach-you-about-investing.html\' >What Japan Can Teach You About Investing</a></h3><p>                                      Japanese stocks performed better than equities in most other developed countries in the third quarter.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/20/how-to-cope-with-the-stress-of-unemployment-.html\' >How to Cope with the Stress of Unemployment </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The more active you are, the less lost you’ll feel.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/20/keep-your-feelings-in-check-this-black-monday-anniversary.html\' >Keep Your Feelings in Check This Black Monday Anniversary</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The importance of staying calm                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/20/the-best-ways-to-avoid-debit-card-fees.html\' >The Best Ways to Avoid Debit Card Fees</a></h3><p>                                      Here’s why you might want to ditch your bank and cut up your card.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/20/whos-occupying-your-portfolio.html\' >Who\'s Occupying Your Portfolio?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s time to take charge.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/20/the-best-travel-rewards-credit-cards.html\' >The Best Travel Rewards Credit Cards</a></h3><p>                                      Whether you’re a frequent flyer or just seeking a generous rewards program, there’s a card for you.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/19/the-secret-to-living-well-on-11000-a-year.html\' >The Secret to Living Well on $11,000 a Year</a></h3><p>                                      This musician lives in his RV, which means he can skip rent and car costs.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/19/why-banks-increasing-fees-isnt-bad-news.html\' >Why Banks Increasing Fees Isn’t Bad News</a></h3><p>                                      Here is how higher fees can actually work out in your favor.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/10/19/social-security-checks-to-grow-36-percent-in-2012.html\' >Social Security Checks to Grow 3.6 Percent in 2012</a></h3><p>                                      High earners should expect higher Social Security taxes next year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/19/6-job-search-tips-for-recent-grads.html\' >6 Job Search Tips for Recent Grads</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      When applying, focus on your work experience not your course work in school.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/19/2012-social-security-payments-to-rise-36.html\' >2012 Social Security Payments to Rise 3.6%</a></h3><p>                                      Program’s first cost of living adjustment in three years reflects rising consumer prices.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/19/good-news-for-federal-job-applicants.html\' >Good News for Federal Job Applicants</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      About 60,000 people are slated to retire from government jobs by the end of this year.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/19/how-to-protect-your-vacation-rental-from-break-ins.html\' >How to Protect Your Vacation Home From Break-ins</a></h3><p>                                      How to prevent your vacation home from becoming a security nightmare.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/19/unemployment-cause-or-symptom.html\' >Unemployment: Cause or Symptom?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It all comes down to confidence.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/19/ignore-inflation-at-your-own-risk.html\' >Ignore Inflation at Your Own Risk</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Inflation can chip away at your retirement savings.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/19/the-ranks-of-the-underemployed-continue-to-grow.html\' >The Ranks of the Underemployed Continue to Grow</a></h3><p>                                      In September, the number of underemployed workers rose for the third consecutive month.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/18/how-to-avoid-getting-fired-in-your-50s.html\' >How to Avoid Getting Fired in Your 50s</a></h3><p>                                      You don’t want to get forced into retirement ahead of schedule.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/10/18/only-half-of-workers-have-a-retirement-plan-at-work.html\' >Unequal Access to Retirement Benefits</a></h3><p>                                      Only half of workers have the opportunity to use a retirement plan at work.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/18/alternatives-to-big-banks.html\' >Alternatives to Big Banks</a></h3><p>                                      Customers looking to make a change should consider credit unions and online banks.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/18/6-tips-for-evaluating-longevity-insurance.html\' >6 Tips for Evaluating Longevity Insurance</a></h3><p>                                      As life spans grow, more people are considering annuities in which payments may not begin until 85.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/18/6-networking-tips-for-your-job-search.html\' >6 Networking Tips for Your Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The biggest mistake people make in networking is focusing on what they want rather than listening to others.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/18/know-yourself-as-an-investor.html\' >Know Yourself as an Investor</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to figure out how much risk to take on                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/18/why-junk-bonds-look-appealing.html\' >Why Junk Bonds Look Appealing</a></h3><p>                                      Should you stock up on this riskier but potentially higher rewarding asset class?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/18/why-women-should-manage-their-own-money.html\' >Why Women Should Manage Their Own Money</a></h3><p>                                      These six strategies can help women fight the odds of facing financial trouble in retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/17/the-power-of-cult-ceos.html\' >The Power of Cult CEOs</a></h3><p>                                      A new book argues that we can all learn from iconic company leaders.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/17/how-to-get-discounts-on-salon-and-spa-services.html\' >How to Get Discounts on Salon and Spa Services</a></h3><p>                                      From online-only specials to package discounts, beauty businesses are trying to stay afloat by offering discounts of 15 to 50 percent or more.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/17/one-retirees-new-life-in-nha-trang-vietnam.html\' >One Retiree’s New Life in Nha Trang, Vietnam</a></h3><p>                                      Life in this fascinating, friendly, and relaxed city will easily fit into your retirement budget.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/17/15-things-you-need-to-know-for-retirement.html\' >15 Things You Need to Know for Retirement</a></h3><p>                                      What’s your retirement IQ? Find out by taking this financial literacy quiz.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/17/the-most-important-interview-advice-youll-ever-hear.html\' >The Most Important Interview Advice You’ll Ever Hear</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The point of an interview is to figure out if you\'re a good mutual match.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/17/5-online-tools-for-managing-airline-miles.html\' >5 Online Tools for Managing Airline Miles</a></h3><p>                                      These mileage trackers can prevent you from letting points expire.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/17/the-10-best-places-to-retire-in-2012.html\' >The 10 Best Places to Retire in 2012</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These cities will meet your retirement lifestyle needs and suit your budget.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/17/a-hiring-bright-spot-solar-energy-jobs.html\' >A Hiring Bright Spot: Solar Energy Jobs</a></h3><p>                                      Over the next 12 months, almost 50 percent of solar firms expect to add jobs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/14/4-signs-youre-becoming-a-grumpy-old-retiree.html\' >4 Signs You’re Becoming a Grumpy Old Retiree</a></h3><p>                                      Your disposition doesn’t have to deteriorate as you age.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/14/social-securitys-shifting-role-in-retirement-plans.html\' >Social Security\'s Shifting Role in Retirement Plans</a></h3><p>                                      Some planners assume full benefits won’t be there but others are wary this may lead to riskier investments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/14/5-common-travel-insurance-myths.html\' >5 Common Travel Insurance Myths</a></h3><p>                                      Make sure you’re not buying travel insurance for coverage you already have.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/14/how-to-make-your-resume-stand-out.html\' >How to Make Your Resume Stand Out</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Include key words from the job description in your resume.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/14/can-you-clean-up-your-holdings-without-wash-sales.html\' >Can You Clean Up Your Holdings Without Wash Sales?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Plan your tax plays carefully.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/13/why-hedge-funds-wont-make-you-wealthy.html\' >Why Hedge Funds Won’t Make You Wealthy</a></h3><p>                                      Hedge fund investors often take on substantial risk and pay high fees.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/13/more-time-in-retirement-means-more-savings.html\' >More Time in Retirement Means More Savings</a></h3><p>                                      You can use your newfound free time to reduce your retirement expenses.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/13/how-to-use-social-security-spousal-benefits.html\' >How to Use Social Security Spousal Benefits</a></h3><p>                                      Couples could gain billions in annual payments by making better use of program’s spousal benefit rules.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/13/new-grads-not-as-hireable-as-they-think.html\' >New Grads Not as Hireable as They Think</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Many graduates lowball what they expect they’re worth by about $10,000.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/13/why-your-retirement-account-underperforms-most-pensions.html\' >Why Your Retirement Account Underperforms Most Pensions</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A look at three important trends                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/13/the-secrets-to-successful-travel-bidding.html\' >The Secrets to Successful Travel Bidding</a></h3><p>                                      How one couple never pays more than $100 per night at a hotel, even in major cities.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/12/use-new-medicare-ratings-to-select-a-2012-plan.html\' >Use New Medicare Ratings to Select a 2012 Plan</a></h3><p>                                      Rankings of health plans will trigger bonus payments to plans under health reform law.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/12/is-college-a-waste-of-time-.html\' >Is College a Waste of Time? </a></h3><p>                                      Author says his elite college did nothing for him and recommends skipping school to go into business.                                      </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/12/why-retirement-is-only-the-beginning.html\' >Why Retirement is Only the Beginning</a></h3><p>                                      Like other life transitions, the first day of retirement is a learning experience.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/12/5-steps-to-find-a-retirement-haven-that-fits-your-budget.html\' >5 Steps to Find a Retirement Haven That Fits Your Budget</a></h3><p>                                      Here is how to select an affordable retirement spot overseas.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/12/why-some-financial-advisors-have-it-and-some-dont.html\' >Why Some Financial Advisors Have It and Some Don\'t</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What to look for when making your choice                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/12/5-things-you-need-to-do-to-get-a-job.html\' >5 Things You Need to Do to Get a Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Make it clear to potential employers how your qualifications align with the company\'s needs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/12/how-to-deal-with-unreasonable-deadlines-at-work.html\' >How to Deal With Unreasonable Deadlines at Work</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Look at your colleagues. How do they deal with similar situations?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/12/avoid-retirement-clutter.html\' >Avoid Retirement Clutter</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Follow these 3 tips.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/12/preparing-for-open-enrollment.html\' >Preparing for Open Enrollment</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for dealing with the onslaught of information                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/12/the-unorthodox-success-strategies-of-millionaires.html\' >The Unorthodox Success Strategies of Millionaires</a></h3><p>                                      Proponents of a DIY approach to college and career face a backlash from traditionalists.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/12/why-women-should-think-differently-about-retirement.html\' >Why Women Should Think Differently About Retirement</a></h3><p>                                      Longer life spans, lower income, and greater healthcare costs are all factors women must plan for.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/12/what-you-need-to-know-about-travel-credit-cards.html\' >What You Need to Know About Travel Credit Cards</a></h3><p>                                      These cards reward spenders, but watch the fees and terms.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/11/how-to-create-a-career-in-the-new-economy.html\' >How to Create a Career in the New Economy</a></h3><p>                                      Author Dan Pink on how free agent nation has changed since he wrote his bestselling book ten years ago.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/11/are-you-rushing-into-gold.html\' >Are You Rushing Into Gold?</a></h3><p>                                      Too often, investors base decisions on emotions rather than facts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/11/4-signs-economy-is-heading-up-for-seniors.html\' >4 Signs Economy is Heading Up for Seniors</a></h3><p>                                      Trends are favorable on jobs, spending, healthcare, and Social Security fronts.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/11/what-the-american-jobs-act-means-for-you.html\' >What the American Jobs Act Means for You</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The American Jobs Act aims to prevent many teachers, firefighters, and police from being laid off.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/11/10-clues-to-watch-for-in-an-interview.html\' >10 Clues to Watch for in an Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These are guideposts, not guarantees.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/11/what-do-nfl-quarterbacks-and-fund-managers-have-in-common.html\' >What Do NFL Quarterbacks and Fund Managers Have in Common?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s not about the fund\'s name. It\'s about the person making the buy, sell, and hold decisions.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/11/living-together-and-keeping-money-separate.html\' >Living Together and Keeping Money Separate</a></h3><p>                                      How to handle the sticky issue of finances without the legal support of marriage.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/11/7-misconceptions-about-retired-life.html\' >7 Misconceptions About Retired Life</a></h3><p>                                      Many seniors are not enjoying retirement as much as they thought they would.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/10/cash-the-risks-of-playing-it-safe.html\' >Cash: The Risks of Playing It Safe</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Evaluating the risks of having a large cash stake                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/07/why-baby-boomers-will-have-a-great-retirement.html\' >Why Baby Boomers Will Have a Great Retirement</a></h3><p>                                      Despite some significant challenges, most baby boomers will have an enjoyable retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/07/how-to-job-search-on-the-new-facebook.html\' >How to Job Search on the New Facebook</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Your privacy settings may have changed again.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/07/retirement-plans-that-weather-economic-storms.html\' >Retirement Plans That Weather Economic Storms</a></h3><p>                                      Behind many successful retirements, you’re apt to find a sensible plan and the discipline to follow it.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/07/the-death-of-free-debit-cards-and-checking-accounts.html\' >The Death of Free Debit Cards and Checking Accounts?</a></h3><p>                                      Big banks have begun hitting consumers with fees, and this is just the tip of the iceberg.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/07/-volatile-markets-have-turned-diversification-on-its-head-but-dont-panic.html\' > Volatile Markets Have Turned Diversification on its Head-But Don\'t Panic</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Don\'t let temporary trends ruin your opinion about diversification.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/07/job-outlook-improving-for-class-of-2012.html\' >Job Outlook Improving for Class of 2012</a></h3><p>                                      Employers say they plan to hire 9.5 percent more graduates than in 2011.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/07/6-strategies-for-dealing-with-an-underwater-mortgage.html\' >6 Strategies for Dealing with an Underwater Mortgage</a></h3><p>                                      Stay and pay? Refinance? The pros and cons of several options.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/06/money-tips-from-a-creativity-coach-.html\' >Money Tips from a Creativity Coach </a></h3><p>                                      How to get ahead as a creative entrepreneur.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/06/6-considerations-when-taking-money-out-of-your-work-retirement-plan.html\' >6 Considerations When Taking Money Out Of Your Work Retirement Plan</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Planning ahead is crucial.                                      </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/06/the-2-biggest-problems-retirees-will-face.html\' >The 2 Biggest Problems Retirees Will Face</a></h3><p>                                      Many retirees say their health and finances are worse than expected.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/06/reject-your-inner-trader.html\' >Reject Your Inner Trader</a></h3><p>                                      Instead of trying to pick winners and dump losing stocks, resist the impulse to trade.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/06/are-women-less-happy-in-the-workplace.html\' >Are Women Less Happy in the Workplace?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A new survey says men were 25 percent happier at work and 8 percent happier at home than women.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/06/lessons-to-learn-from-celebrity-financial-woes.html\' >What You Can Learn From Celebrity Financial Woes</a></h3><p>                                      It may seem like a stretch to compare the money habits of an A-Lister to the average American, but there are universal lessons to be learned.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/06/does-stock-forecasting-work.html\' >Does Stock Forecasting Work?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Even the best stock pickers often get it wrong.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/06/the-best-remodeling-choices-for-a-soft-housing-market.html\' >The Best Remodeling Choices for a Soft Housing Market</a></h3><p>                                      These days, new exterior doors often bring a better return on investment than a kitchen re-do.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/06/should-you-buy-supplemental-unemployment-insurance.html\' >Should You Buy Supplemental Unemployment Insurance?</a></h3><p>                                      New product makes up the difference between your salary and state unemployment benefits.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/06/why-europe-still-deserves-a-place-in-your-portfolio.html\' >Why Europe Still Deserves a Place in Your Portfolio</a></h3><p>                                      Reasons long-term investors should look past the region’s short-term struggles.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/05/include-medigap-in-your-2012-medicare-review.html\' >Include Medigap in Your 2012 Medicare Review</a></h3><p>                                      Supplemental insurance policies can help close coverage gaps that exist in basic Medicare.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/05/saving-for-retirement-or-your-childrens-future.html\' >Saving for Retirement or Your Children’s Future</a></h3><p>                                      Why planning for a secure retirement is as important as helping your children get ahead.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/05/what-to-do-if-you-think-youre-getting-fired.html\' >What to Do if You Think You’re Getting Fired</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Remember that you\'re not alone.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/05/7-steps-to-help-you-land-a-non-profit-job.html\' >7 Steps to Help You Land a Non-Profit Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      First, try volunteering in an organization where you have a strong interest.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/05/superstar-fund-managers-should-you-invest-here.html\' >Superstar Fund Managers-Should You Invest Here?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Can star managers keep up their hot performance?                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/05/are-you-throwing-away-money-by-renting.html\' >Are You Throwing Away Money By Renting?</a></h3><p>                                      If you find yourself in any of the following scenarios, you may be better off as a renter than a homeowner.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/05/3-questions-you-need-to-ask-about-your-retirement.html\' >3 Questions You Need to Ask About Your Retirement</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Asking the right questions is key to finding the right answers.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/05/should-you-hire-a-money-coach.html\' >Should You Hire a Money Coach?</a></h3><p>                                      The pros and cons of working with a coach to help get on top of your finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/05/despite-high-unemployment-millions-of-job-openings.html\' >Despite High Unemployment, Millions of Job Openings</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Job seekers with the right skillset can find job opportunities in this market.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/04/why-entrepreneurship-isnt-for-everyone.html\' >Why Entrepreneurship Isn’t for Everyone</a></h3><p>                                      In her new book, Alexandra Levit says that the path to success for most people is a more traditional one.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/04/is-a-home-still-a-good-investment.html\' >Is a Home Still a Good Investment?</a></h3><p>                                      The decline in home values is causing many people to rethink the value of home ownership.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/04/generic-drug-savings-in-2012-medicare-plans.html\' >Generic Drug Savings in 2012 Medicare Plans</a></h3><p>                                      Several big-brand drugs are set to lose patent protection, triggering price drops.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/04/think-carefully-before-accepting-a-counter-offer.html\' >Think Carefully Before Accepting a Counter Offer</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If you decide to stay with your current employer your loyalty may be questioned.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/04/a-great-sale-on-stocks-.html\' >A Great Sale on Stocks </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Everyone loves a good deal                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/04/5-reasons-you-should-buy-a-small-house.html\' >5 Reasons You Should Buy a Small House</a></h3><p>                                      According to the National Association of Home Builders, the average size of new homes has been dropping in recent years.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/04/the-twentysomethings-guide-to-money.html\' >The Twentysomething\'s Guide to Money</a></h3><p>                                      When you don’t have a lot of money, it’s even harder to decide what to do with it.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/04/how-low-ball-appraisals-are-limiting-the-housing-recovery.html\' >How Low-ball Appraisals Are Limiting the Housing Recovery</a></h3><p>                                      Overly conservative appraisal standards are holding back many real estate transactions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/10/03/the-secret-to-living-well-on-20000-a-year.html\' >The Secret to Living Well on $20,000 a Year</a></h3><p>                                      This 28-year-old says he’s happier living on less, but he goes without health insurance.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/10/03/how-much-money-do-you-need-to-retire-overseas.html\' >How Much Money Do You Need to Retire Overseas?</a></h3><p>                                      You can live well on less money by moving abroad for retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/10/03/understanding-your-2012-medicare-enrollment-statements.html\' >Understanding Your 2012 Medicare Enrollment Statements</a></h3><p>                                      Notice of change and evidence of coverage statements are comprehensive but confusing.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/10/03/10-ways-to-infuriate-your-boss.html\' >10 Ways to Infuriate Your Boss</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Everyone makes mistakes and you have to take responsibility for them.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/10/03/6-common-credit-card-pitfalls-to-avoid.html\' >6 Common Credit Card Pitfalls to Avoid</a></h3><p>                                      These slip-ups could set up you up for a serious credit dilemma.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/10/03/3-ways-to-invest-in-gold.html\' >3 Ways to Invest in Gold</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Choosing between direct ownership, mutual funds, and ETFs                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/10/03/10-ways-to-tap-your-ira-early-without-penalty.html\' >10 Ways to Tap Your IRA Early Without Penalty</a></h3><p>                                      There are a variety of ways to access your retirement savings before age 59½.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/30/its-dj-vu-all-over-again.html\' >It\'s Déjà Vu All Over Again</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What the numbers tell us about where the market is headed                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/30/what-makes-you-trust-anyones-investment-advice.html\' >What Makes You Trust Anyone\'s Investment Advice?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Most investors fly blindly without ever thinking through the question of, “Who should earn my trust and why?"                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/30/an-active-retirement-is-not-just-keeping-busy.html\' >An Active Retirement is Not Just Keeping Busy</a></h3><p>                                      The quality of the activities you choose can determine your retirement happiness.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/30/what-to-consider-before-taking-a-job-with-a-long-commute.html\' >What To Consider Before Taking a Job With a Long Commute</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The average daily commute is about 25 minutes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/30/a-survival-guide-for-the-deluge-of-daily-deals.html\' >A Survival Guide to the Deluge of Daily Deals</a></h3><p>                                      How to manage daily deals and ensure you get the most bang for your buck.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/30/should-you-use-a-virtual-credit-card-number.html\' >Should You Use a Virtual Credit Card Number?</a></h3><p>                                      How one-use credit card numbers can help reduce the risk of fraud.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/30/for-retirees-the-allure-of-college-towns.html\' >For Retirees, the Allure of College Towns</a></h3><p>                                      Why some retirees prefer bricks and ivy to sand and putting greens.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/29/dont-be-lured-by-investment-pornography.html\' >Don’t Be Lured By Investment Pornography</a></h3><p>                                      While it may be entertaining, following the advice of financial pundits won’t help you to retire sooner.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/29/forget-the-sunbelt-colder-areas-top-new-list-of-best-cities-for-seniors.html\' >Forget the Sunbelt: Colder Areas Top New List of Best Cities for Seniors</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Survey’s quality-of-life indicators point to cities including Minneapolis, Boston, and Pittsburgh.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/29/how-to-ask-for-a-raise.html\' >How to Ask for a Raise</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Never threaten to quit if you don\'t get a raise you ask for.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/29/the-credit-card-you-need-for-each-major-phase-in-life.html\' >The Credit Card You Need for Each Major Stage in Life</a></h3><p>                                      Avoid the financial damage and lost rewards potential that come with using the wrong credit card.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/29/where-is-your-target-date-fund-taking-you.html\' >Where Is Your Target-Date Fund Taking You?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What to look for in a target-date fund                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/29/is-free-checking-going-extinct.html\' >Is Free Checking Going Extinct?</a></h3><p>                                      New regulations for banks could mean higher checking costs for consumers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/28/how-to-throw-a-better-cheaper-birthday-party.html\' >How to Throw a Better, Cheaper Birthday Party</a></h3><p>                                      It\'s easy to get swept up in consumerism, but there is an alternative.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/28/8-danger-signs-when-youre-job-searching.html\' >8 Danger Signs When You’re Job Searching</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Companies should always let you know what their timeline for hiring is.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/28/ways-to-save-during-medicare-open-enrollment.html\' >Ways to Save During Medicare Open Enrollment</a></h3><p>                                      Health reform and insurer changes raise the stakes in this year’s Medicare selections.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/28/5-surefire-ways-to-ruin-your-retirement.html\' >5 Surefire Ways to Ruin Your Retirement</a></h3><p>                                      These misleading pieces of financial advice could hurt your retirement plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/28/market-volatility-and-your-401k.html\' >Market Volatility and Your 401(k)</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Stay focused on the long haul                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/28/3-reasons-to-hold-cash-now.html\' >3 Reasons to Hold Cash NOW</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to find both safety and opportunities in cash                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/28/how-to-get-a-job-in-the-non-profit-sector.html\' >How to Get a Job in the Non-Profit Sector</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Websites like Idealist.org have seen a big boost in job postings recently.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/28/can-the-government-help-the-housing-market.html\' >Can the Government Help the Housing Market?</a></h3><p>                                      Despite the housing market drag, struggling homeowners haven’t received much support from Washington.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/28/15-stunning-statistics-about-the-jobs-market.html\' >15 Stunning Statistics About the Jobs Market</a></h3><p>                                      In August, the economy had essentially the same number of jobs as it had in January 2000.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/28/alternatives-to-pricey-kids-birthday-parties.html\' >Alternatives to Pricey Kids\' Birthday Parties</a></h3><p>                                      A new movement to return to simpler traditions is gaining ground.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/27/the-future-of-freelancing.html\' >The Future of Freelancing</a></h3><p>                                      Sites like Freelancer.com make it easy to outsource work, but some people say bidding sites push prices too low.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/27/how-credit-counselors-can-help-mend-your-finances.html\' >How Credit Counselors Can Help Mend Your Finances</a></h3><p>                                      As recessionary conditions enter their third year, you may need help recovering your financial health.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/27/will-your-next-job-be-virtual.html\' >Will Your Next Job Be Virtual?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      By 2012, telecommuting roles are expected to increase by 65 percent.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/27/companies-that-could-profit-from-baby-boomers.html\' >Companies That Could Profit From Baby Boomers</a></h3><p>                                      JPMorgan has created an “Aging Population Index” of stocks expected to profit from the boomers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/27/5-tips-from-early-retirees.html\' >5 Tips From Early Retirees</a></h3><p>                                      Practical steps average people can take to leave the workforce early.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/27/how-to-eat-for-7-or-less-a-day.html\' >How to Eat for $7 or Less a Day</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      13 tips for getting the most out of your grocery budget.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/26/what-you-need-to-know-about-estate-planning.html\' >What You Need to Know About Estate Planning</a></h3><p>                                      A new book makes planning for death and taxes as easy to handle as possible.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/26/how-to-overcome-your-greatest-retirement-fears.html\' >How to Overcome Your Greatest Retirement Fears</a></h3><p>                                      When living becomes intolerably difficult in one place, consider moving to another.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/26/4-ways-to-trim-your-housing-costs-now.html\' >4 Ways to Trim Your Housing Costs Now</a></h3><p>                                      Weak economy and home prices, plus record-low interest rates, may offer lower-cost housing solutions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/26/how-to-answer-behavorial-interview-questions.html\' >How to Answer Behavioral Interview Questions</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Behavioral interview questions don’t ask you to speculate on how you might approach something                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/26/5-dangerous-debt-payoff-strategies.html\' >5 Dangerous Debt Payoff Strategies</a></h3><p>                                      Making a commitment to get out of debt is a noble goal–unless you’re using the wrong payoff strategy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/26/ultra-short-term-bond-investors-fighting-two-battles.html\' >Ultra Short-Term Bond Investors Fighting Two Battles</a></h3><p>                                      Diversity is key amid yield drought and Fed-induced volatility.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/26/how-to-get-the-salary-you-want-even-in-this-economy.html\' >How to Get the Salary You Want (Even In This Economy)</a></h3><p>                                      The economy may be struggling, but you can still get the salary you deserve.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/23/6-things-to-expect-in-a-financial-planning-engagement.html\' >6 Things to Expect From Your Financial Planner</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Financial planners can help you achieve your financial goals.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/23/4-retirement-fears.html\' >4 Fears About Retirement</a></h3><p>                                      Nagging fears baby boomers may have about retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/23/10-tweeple-to-follow-during-your-job-search.html\' >10 Tweeple to Follow During Your Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Check out these Twitter personalities for their useful career advice.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/23/4-steps-to-reach-your-retirement-goals.html\' >4 Steps to Reach Your Retirement Goals</a></h3><p>                                      You\'ll need to take a personalized approach, based on your priorities and interests.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/23/want-seasonal-holiday-work-start-applying-now.html\' >Want Seasonal Holiday Work? Start Applying Now</a></h3><p>                                      According to Snagajob, 18 percent of hiring mangers started their search last month.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/23/as-economy-stalls-personal-income-takes-a-hit.html\' >As Economy Stalls, Personal Income Takes a Hit</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Second quarter numbers show earnings growth is slowing.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/22/the-secret-to-living-well-on-40000-a-year.html\' >The Secret to Living Well on $40,000 a Year</a></h3><p>                                      This teacher explains how he can afford everything he wants for his family on what some might consider a modest salary.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/22/are-you-the-dumb-money.html\' >Are You the Dumb Money?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Dumb investors get caught in a dumb cycle–buying high and selling low.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/22/how-to-prepare-your-finances-for-death.html\' >How to Prepare Your Finances for Death</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      A will won\'t necessarily supersede all other documents when it comes to your estate.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/22/5-simple-steps-to-help-you-save-for-retirement.html\' >5 Simple Steps to Help You Save for Retirement</a></h3><p>                                      Concrete goals to keep you on the path to retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/22/how-coupons-can-lead-to-overspending.html\' >How Coupons Can Lead to Overspending</a></h3><p>                                      We rationalize it by thinking we\'re saving money, but often we’re buying things we don’t actually need.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/22/creating-a-killer-cover-letter.html\' >Creating a Killer Cover Letter</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for making your cover letter stand out                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/22/the-big-myth-active-managers-shine-in-volatile-markets.html\' >The Big Myth: Active Managers Shine in Volatile Markets</a></h3><p>                                      Over longer periods of time, most actively managed funds fail to beat their benchmark indexes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/22/4-ways-to-maximize-your-career-achievement.html\' >4 Ways to Maximize Your Career Achievement</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to move beyond your self-imposed limits                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/22/5-factors-that-could-put-your-pension-at-risk.html\' >5 Factors That Could Put Your Pension at Risk</a></h3><p>                                      Simple mistakes that could go undetected for years, potentially costing you thousands of dollars.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/21/why-quitting-a-job-can-make-financial-sense.html\' >Why Quitting a Job Can Make Financial Sense</a></h3><p>                                      Even in a slow economy, over 1.5 million people quit their jobs each month.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/21/why-is-it-taking-so-long-to-hear-back-after-your-job-interview.html\' >Why Is It Taking So Long to Hear Back After Your Job Interview?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Reasons why employers sometimes take a long time to get back to candidates                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/21/5-tips-to-stage-your-home-for-the-fall-season.html\' >5 Tips to Stage Your Home for the Fall Season</a></h3><p>                                      How to take advantage of this last buying hurrah before winter sets in.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/21/5-questions-to-ask-yourself-about-when-you-can-retire.html\' >5 Questions to Ask Yourself About When You Can Retire</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s one of the most important decisions you\'ll ever make.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/21/3-high-yielding-fixed-income-investments.html\' >3 High-Yielding Fixed-Income Investments</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These lesser known fixed-income options can add real value to your portfolio.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/21/resources-for-struggling-job-seekers.html\' >Resources for Struggling Job Seekers</a></h3><p>                                      Job market and job seeker trends.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/21/4-misleading-pieces-of-retirement-advice.html\' >4 Misleading Pieces of Personal Finance Advice</a></h3><p>                                      A comfortable retirement isn’t a sure lock even if you follow this advice to the letter.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/21/raising-the-retirement-age-a-reflection-of-our-evolving-economy.html\' >Raising the Retirement Age: A Reflection of Our Evolving Economy</a></h3><p>                                      Fiscal realities and the way we work have changed the way Washington looks at retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/21/can-i-afford-to-quit-my-job.html\' >Can I Afford to Quit My Job?</a></h3><p>                                      How to plan for a major break from the workforce.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/20/how-to-avoid-resenting-your-children.html\' >How to Avoid Resenting Your Children</a></h3><p>                                      Twenty-somethings put financial strain on their parents after they move back home.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/20/the-base-price-vs-the-real-price-of-goods-and-services.html\' >The \'Base Price\' vs the Real Price of Goods and Services</a></h3><p>                                      When you budget for a new purchase, make sure you account for the difference between these two.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/20/dont-rush-to-buy-gold.html\' >Don\'t Rush to Buy Gold</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      You might already have all the exposure you need in your portfolio.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/20/for-homeowners-price-drops-and-financing-options-boost-the-appeal-of-solar.html\' >For Homeowners, Price Drops and Financing Options Boost the Appeal of Solar</a></h3><p>                                      The past 12 months have seen one of the most dramatic price drops in the history of the solar market.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/19/places-to-live-the-american-dream-abroad.html\' >Places to Live the American Dream Abroad</a></h3><p>                                      Expat communities where you can slide into a way of life not dramatically different from the life you left behind.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/19/4-ways-to-maximize-your-retirement-income.html\' >4 Ways to Maximize Your Retirement Income</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Stocks can help soften the impact of inflation on purchasing power.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/19/6-ways-id-thieves-steal-your-credit-card-number.html\' >6 Ways ID Thieves Steal Your Credit Card Number</a></h3><p>                                      Places you\'re most likely to be targeted.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/19/reasons-why-your-awful-coworker-still-has-a-job.html\' >Reasons Why Your Awful Coworker Still Has a Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Management failures often allow poor performers to hold onto their jobs.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/19/20-funds-that-can-weather-downturns.html\' >20 Funds That Can Weather Downturns</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These funds have good track records in both up and down markets.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/19/are-american-consumers-relapsing-into-debt-addiction.html\' >Are American Consumers Relapsing Into Debt Addiction?</a></h3><p>                                      Americans accumulated $18.4 billion in credit card debt in the second quarter of 2011.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/19/how-to-handle-awkward-money-situations.html\' >How to Handle Awkward Money Situations</a></h3><p>                                      Etiquette experts offer tips for responding to needy relatives and other tough financial spots.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/16/the-real-impact-of-babies-on-career-success.html\' >The Real Impact of Babies on Career Success</a></h3><p>                                      A new, less traditional way of defining achievement suggests parents really can ‘have it all.’                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/16/5-things-that-are-ruining-your-retirement.html\' >5 Things That Are Ruining Your Retirement</a></h3><p>                                      These pitfalls may be jeopardizing your ability to retire.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/16/stop-blaming-the-baby-boomers.html\' >Stop Blaming the Baby Boomers</a></h3><p>                                      The baby boomer generation isn’t the cause of our current woes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/16/like-the-brics-check-out-indonesia.html\' >Like the BRICs? Check Out Indonesia</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Indonesia offers a similar investment opportunity, but with less volatility than BRIC countries.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/16/3-reasons-to-organize-your-workstation.html\' >3 Reasons to Organize Your Workstation</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Why a messy desk leaves a bad impression                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/16/how-to-move-abroad-and-keep-your-job.html\' >How to Move Abroad and Keep Your Job</a></h3><p>                                      Tips from one man who spent 13 months in Venice telecommuting to his job in the States.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/16/how-to-play-emerging-markets-with-us-stocks.html\' >How to Play Emerging Markets With U.S. Stocks</a></h3><p>                                      Stateside companies that rake in a considerable share of their income in high-growth areas abroad.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/09/15/traditional-pensions-are-casualties-of-a-retirement-heist.html\' >Traditional Pensions are Casualties of a Retirement Heist</a></h3><p>                                      A new book explains that traditional pensions were frozen to boost corporate profits and executive pay.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/15/a-better-way-to-assess-sovereign-debt.html\' >A Better Way to Assess Sovereign Debt</a></h3><p>                                      Take a look at the price of credit default swaps when considering sovereign debt issues.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/15/there-is-no-one-size-fits-all-approach-to-investing.html\' >There Is No One-Size-Fits-All Approach to Investing</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      When it comes to retirement planning, following the pack might lead you astray.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/15/why-you-should-take-a-retirement-preview.html\' >Why You Should Take a Retirement Preview</a></h3><p>                                      Find out if you will enjoy retirement before leaving your job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/15/how-to-overcome-career-burnout.html\' >How to Overcome Career Burnout</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to re-discover your energy                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/15/tips-for-creating-your-custom-resume.html\' >Tips For Creating Your Custom Resume</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to make your resume stand out                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/15/gen-ys-2-million-retirement-price-tag.html\' >Gen Y\'s $2 Million Retirement Price Tag</a></h3><p>                                      Twentysomethings will need to save much more than their parents did for retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/15/4-pitfalls-first-time-real-estate-investors-can-avoid.html\' >4 Pitfalls First-Time Real Estate Investors Can Avoid</a></h3><p>                                      Prices might be unbelievably attractive, but the pitfalls of real estate investing are real.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/14/how-two-sisters-traded-corporate-for-cupcakes.html\' >How Two Sisters Traded Corporate for Cupcakes</a></h3><p>                                      Driven by a childhood dream, the stars of TLC’s DC Cupcakes made theleap to an entrepreneurial life.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/14/4-tips-for-living-with-relatives.html\' >4 Tips for Living With Relatives</a></h3><p>                                      Multigenerational households are becoming increasingly common.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/14/expenses-to-ditch-when-you-retire.html\' >Expenses to Ditch When You Retire</a></h3><p>                                      Eliminating these costs will improve your retirement finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/14/5-reasons-the-government-should-be-run-like-a-business.html\' >5 Reasons the Government Should Be Run Like a Business</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      The federal government is in financial disarray.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/14/4-options-for-your-401k-when-leaving-your-job.html\' >4 Options for Your 401(k) When Leaving Your Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Withdrawing all your funds is generally a bad idea.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/14/how-to-take-off-after-a-layoff.html\' >How to Take Off After a Layoff</a></h3><p>                                      These workers found success by pursuing their entrepreneurial ideas.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/14/what-the-treasury-market-is-telling-investors.html\' >What the Treasury Market Is Telling Investors</a></h3><p>                                      The 10-year treasury bond is trading near record lows.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/14/investing-in-the-globes-emerging-bright-spots.html\' >Investing in the Globe\'s Emerging Bright Spots</a></h3><p>                                      Recent declines in emerging markets have spooked investors, but the long-term outlook remains solid.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/13/an-affordable-retirement-spot-in-italy.html\' >An Affordable Retirement Spot in Italy</a></h3><p>                                      This often overlooked Tuscan city could be a charming and low-cost retirement spot.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/13/4-things-you-should-know-about-market-volatility.html\' >4 Things You Should Know About Market Volatility</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      From 1970 through 2010, the S&P 500 had positive returns in 31 of 41 years.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/13/5-factors-to-consider-before-relocating-for-a-job.html\' >5 Factors to Consider Before Relocating for a Job</a></h3><p>                                      Many employers are reducing or freezing their company-paid relocation programs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/13/how-to-complain-to-companies-and-get-results.html\' >How to Complain to Companies (and Get Results)</a></h3><p>                                      It’s up to consumers to hold companies responsible for costly mistakes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/13/why-consumers-arent-spending.html\' >Why Consumers Aren\'t Spending</a></h3><p>                                      A weak housing market continues to weigh down the economy.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/12/how-a-moms-website-became-her-full-time-job.html\' >How a Mom’s Website Became Her Full-Time Job</a></h3><p>                                      What started a hobby to connect with other parents ended up replacing her IT salary.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/12/9-cheap-or-free-travel-accommodations.html\' >9 Cheap (or Free) Travel Accommodations</a></h3><p>                                      Hostels, house swaps, and couch surfing are a few ways to save.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/12/5-things-you-should-try-living-without.html\' >4 Things You Should Try Living Without</a></h3><p>                                      Go without these things for a day or two, just to see how it feels.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/12/tips-for-starting-a-business-in-retirement.html\' >Tips for Starting a Business in Retirement</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Starting a business in retirement is challenging, but it can be rewarding.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/12/what-to-do-when-youre-struggling-at-work.html\' >What to Do When You\'re Struggling at Work</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to identify and solve your workplace problems                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/12/how-to-catch-up-after-a-retirement-savings-break.html\' >How to Catch up After a Retirement Savings Break</a></h3><p>                                      After an employment gap, here’s how to resume a retirement savings plan.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/12/will-obamas-jobs-plan-help-small-business-hire-more.html\' >Will Obama\'s Jobs Plan Help Small Business Hire More?</a></h3><p>                                      The plan is well-intentioned, but leaves much to be desired.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/09/why-early-retirement-is-not-for-everyone.html\' >Why Early Retirement is Not for Everyone</a></h3><p>                                      Some people don’t enjoy leaving the workforce behind.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/09/09/9-workplace-benefits-that-need-improvement.html\' >9 Workplace Benefits That Need Improvement</a></h3><p>                                      Workers are growing increasingly dissatisfied with their pay and benefits.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/09/how-annuities-can-shine-in-risky-markets.html\' >How Annuities Can Shine in Risky Markets</a></h3><p>                                      Market swings make the safe returns of fixed annuities more appealing to older investors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/09/why-the-economy-might-not-be-as-bad-as-you-think.html\' >Why the Economy Might Not Be as Bad as You Think</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Banks have better balance sheets and corporate earnings are strong.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/09/5-ways-to-celebrate-update-your-resume-month.html\' >5 Ways to Celebrate “Update Your Resume Month”</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      What to add to your resume                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/09/how-a-leadership-deficit-is-deepening-the-debt-crisis.html\' >How a Leadership Deficit Is Deepening the Debt Crisis</a></h3><p>                                      Obama, Merkel, Sarkozy overmatched, and the despair in Europe and the U.S. grows.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/09/8-savvy-personal-finance-podcasts.html\' >8 Savvy Personal Finance Podcasts</a></h3><p>                                      Learn new investment strategies or beef up your money knowledge on the go.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/08/this-real-life-cake-boss-bakes-a-new-career.html\' >This Real-Life Cake Boss Bakes a New Career</a></h3><p>                                      When the economy shut down his deli, Chris Furin started over with a sweeter plan.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/08/jeremy-siegel-is-wrong--stocks-arent-cheap.html\' >Jeremy Siegel is Wrong: Stocks Aren’t Cheap</a></h3><p>                                      Prices for stocks are not below fair market value.                                      </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/08/talking-to-your-teenage-girl-about-finance.html\' >Talking to Your Teenage Girl About Finance</a></h3><p>                                      The high school years are an important time to talk about money-management skills.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/08/what-to-do-with-a-mortgage-in-retirement.html\' >What to Do With a Mortgage in Retirement</a></h3><p>                                      These strategies will help you to eliminate mortgage debt faster.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/08/older-clients-require-special-financial-planning-help.html\' >Older Clients Require Special Financial Planning Help</a></h3><p>                                      Professional planners are developing specific guidelines for dealing with older clients.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/08/a-lightbulb-that-lasts-forever.html\' >A Lightbulb That Lasts \'Forever\'</a></h3><p>                                      The appeal of LED bulbs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/08/how-to-use-coupons.html\' >How to Be a Savvy Coupon Clipper</a></h3><p>                                      Efficient ways to clip and organize coupons.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/08/why-online-checking-is-worth-another-look.html\' >The Newest Features of Online Checking Accounts</a></h3><p>                                      If you haven\'t considered switching to an online checking account, take another look.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/08/6-features-of-a-good-401k-plan.html\' >6 Features of a Good 401(k) Plan</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Ease of use and a diverse fund line-up are hallmarks of good 401(k) plans.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/08/how-politics-affect-your-portfolio.html\' >How Politics Affect Your Portfolio</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Economic indicators are often skewed giving investors a murky picture of portfolio performance.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/08/5-surefire-ways-to-not-get-the-job-you-want.html\' >5 Surefire Ways to NOT Get the Job You Want</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Mistakes to avoid                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/08/refinancing-out-of-reach-for-many-americans.html\' >Refinancing Out of Reach for Many Americans</a></h3><p>                                      Interest rates are at historic lows, but many homeowners won’t benefit.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/08/what-the-debt-ceiling-deal-means-for-consumers.html\' >What the Debt Ceiling Deal Means for Consumers</a></h3><p>                                      What’s likely to happen if Republicans or Democrats, or neither of them, get their way.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/08/are-etfs-to-blame-for-the-rise-in-volatility.html\' >Are ETFs to Blame for the Rise in Volatility?</a></h3><p>                                      Seventy billion shares of ETFs were traded last month, up 86 percent from July.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/08/how-to-buy-a-bed.html\' >How to Buy a Bed</a></h3><p>                                      A mattress is a purchase that could be with you for a decade or more, so research is essential.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/07/4-ways-to-pay-off-your-mortgage-quicker.html\' >4 Ways to Pay Off Your Mortgage Quicker</a></h3><p>                                      Paying more now can generate big savings later.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/07/retirement-plan-options-for-the-self-employed.html\' >Retirement Plan Options for the Self-Employed</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If you\'re self-employed, you need to establish and fund your own retirement savings program.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/07/how-high-unemployment-hurts-your-investments.html\' >How High Unemployment Hurts Your Investments</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Even if you have a job, high unemployment shutters economic growth and hurts investment returns.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/07/little-known-advantages-of-hiring-a-financial-adviser.html\' >Little-Known Advantages of Hiring a Financial Adviser</a></h3><p>                                      A financial professional can help prevent investment errors.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/07/9-rules-for-retiree-jobs-and-social-security.html\' >9 Rules for Retiree Jobs and Social Security</a></h3><p>                                      How earnings of retirement-age workers can be affected by Social Security tax and benefit rules.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/07/how-to-find-a-job-in-a-jobless-economy.html\' >How to Find a Job in a “Jobless Economy”</a></h3><p>                                      Tips from CEOs and other business leaders                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/07/has-the-housing-market-finally-found-its-footing.html\' >Has the Housing Market Finally Found Its Footing?</a></h3><p>                                      The upward trend in home prices over the past three months doesn’t tell the whole story.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/07/parents-using-less-retirement-savings-for-college.html\' >Parents Using Less Retirement Savings for College</a></h3><p>                                      Fewer families are tapping retirement accounts for college tuition costs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/07/tips-for-moving-back-home-with-parents.html\' >Tips for Moving Back Home With Parents</a></h3><p>                                      When adult children live at home, these strategies can help keep the peace.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/07/gold-etfs-still-shine-in-a-diverse-portfolio.html\' >Gold ETFs Still Shine in a Diverse Portfolio</a></h3><p>                                      According to some analysts, gold may hold the bulk of this run into 2012.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/06/how-parents-can-cure-their-back-to-school-financial-jitters.html\' >How Parents Can Cure Their Back-to-School Financial Jitters</a></h3><p>                                      Rewards cards offer generous benefits that make school shopping much easier for parents to swallow.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/09/06/12-ways-blogging-increases-your-job-prospects.html\' >12 Ways Blogging Increases Your Job Prospects</a></h3><p>                                      Keeping up a blog can help show employers you\'re knowledgeable, skilled and committed.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/06/video-save-on-back-to-school-shopping.html\' >Video: Save on Back-to-School Shopping</a></h3><p>                                      Kimberly Palmer chats with CBS MoneyWatch on the best ways to spend less on the start of the school year.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/06/5-steps-to-a-family-caregiving-agreement.html\' >5 Steps to a Family Caregiving Agreement</a></h3><p>                                      With more seniors needing in-home help, it may make sense to create a formal caregiving agreement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/06/7-unusual-ways-to-save-money-2.html\' >7 Unusual Ways to Save Money</a></h3><p>                                      How to cut your expenses without reducing your quality of life.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/09/06/industries-with-the-best-401k-matches.html\' >Industries with the Best 401(k) Matches</a></h3><p>                                      These employees are getting the biggest company contributions to their 401(k).                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/06/10-shortcuts-to-find-a-retirement-haven-abroad.html\' >10 Shortcuts to Find a Retirement Haven Abroad</a></h3><p>                                      Here’s how to pick an overseas retirement spot that will suit your tastes.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/06/the-cost-of-being-out-of-the-market.html\' >The Cost of Being Out of the Market</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Even in a volatile market, staying invested can help you earn higher returns.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/06/work-interrupted-how-to-limit-distractions.html\' >Work Interrupted: How to Limit Distractions</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for staying focused at work                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/06/dipping-into-your-retirement-account-to-pay-for-college.html\' >Dipping Into Your Retirement Account to Pay for College</a></h3><p>                                      The type and timing of your withdrawal will determine the taxes and fees you pay.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/05/10-signs-you-have-a-bad-boss.html\' >10 Signs You Have a Bad Boss</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Watch out for these warning signs.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/09/02/target-date-funds-proving-a-set-and-forget-choice.html\' >Target-Date Funds Proving a \'Set and Forget\' Choice</a></h3><p>                                      401(k) investors who keep large portions of their portfolios in such funds rarely move out of them.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/02/cultivating-the-right-retirement-attitude.html\' >Cultivating the Right Retirement Attitude</a></h3><p>                                      As we age, we will eventually need to slow down. Here’s how to cope.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/02/be-cautious-when-investing-in-gold.html\' >Be Cautious When Investing in Gold</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Gold might be in the headlines, but should it be in your portfolio?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/02/labor-day-weekend-jumpstart-your-job-search.html\' >Labor Day Weekend: Jumpstart Your Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to make the most of the upcoming holiday                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/02/low-interest-rates-support-higher-gold-price.html\' >Low Interest Rates Support Higher Gold Price</a></h3><p>                                      Fear and inflation play a role, but the low rate environment is the most important factor.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/02/will-obamas-jobs-plan-fall-flat.html\' >Will Obama\'s Jobs Plan Fall Flat?</a></h3><p>                                      Despite a bevy of ideas to jumpstart hiring, low consumer demand may keep unemployment high.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/01/are-you-gambling-or-investing.html\' >Are You Gambling or Investing?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Investors who try to beat the market may lose more returns over the long-term.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/09/01/5-factors-in-the-buy-or-lease-decision.html\' >5 Factors in the Buy-or-Lease Decision</a></h3><p>                                      Life plans can play as big a role as financing options.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/01/how-you-can-profit-from-john-paulsons-losses.html\' >How You Can Profit from John Paulson’s Losses</a></h3><p>                                      Even Paulson can’t manage to consistently pick winning investments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/01/to-make-the-most-of-your-career-slow-down-and-ask-questions.html\' >To Make the Most of Your Career, Slow Down and Ask Questions</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      There\'s more to life than living on autopilot.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/09/01/the-importance-of-saving-early-for-retirement.html\' >The Importance of Saving Early for Retirement</a></h3><p>                                      Starting to save at your first job can greatly improve your retirement preparedness.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/09/01/5-questions-to-ask-the-hiring-manager.html\' >5 Questions to Ask the Hiring Manager</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How asking the right questions can help you find the best fit                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/09/01/6-questions-to-ask-your-financial-adviser.html\' >6 Questions to Ask Your Financial Adviser</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Fee-only advisers are your best bet.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/01/why-you-should-give-etfs-a-try.html\' >Why You Should Give ETFs a Try</a></h3><p>                                      Dynamic, transparent, and tax-efficient, ETFs are attracting more investors than ever.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/09/01/tougher-rules-for-credit-bureaus-could-be-on-the-way.html\' >Tougher Rules for Credit Bureaus Could Be On the Way</a></h3><p>                                      Borrowers may soon have more weapons to fight back against erroneous credit reports.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/31/what-to-eat-before-an-interview.html\' >What to Eat Before an Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Fueling up with the right foods can help you perform better at your next job interview.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/31/5-ways-you-could-be-sabotaging-your-retirement.html\' >5 Ways You Could Be Sabotaging Your Retirement</a></h3><p>                                      Failing to maximize your earnings now could hurt you in retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/31/medicare-plans-offer-too-many-choices.html\' >Medicare Plans Offer Too Many Choices</a></h3><p>                                      Study finds that seniors make better choices when they have fewer plans to evaluate.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/31/make-diversification-work-for-you.html\' >Make Diversification Work for You</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      You want a variety of investments to try to capitalize on the movement of the markets from one day to the next.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/31/hurricane-irene-a-financial-disaster.html\' >Hurricane Irene: A Financial Disaster</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      While it seems we were spared the brunt of the storm, this storm had its costs.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/30/most-active-funds-continue-to-trail-index-performance.html\' >Most Active Funds Continue to Trail Index Performance</a></h3><p>                                      Through June, S&P finds most actively managed funds performed worse than comparable indices.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/08/30/does-shopping-at-costco-save-money.html\' >Does Shopping at Costco Save Money?</a></h3><p>                                      A study suggests that buying in bulk is often a bad financial move.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/08/30/retirees-fastest-growing-users-of-social-networks.html\' >Retirees Fastest-Growing Users of Social Networks</a></h3><p>                                      Facebook and LinkedIn catch on among those age 65 and older.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/30/why-you-cant-invest-like-warren-buffett.html\' >Why You Can’t Invest Like Warren Buffett</a></h3><p>                                      He gets a better deal than you do.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/30/4-tips-to-stay-mentally-sharp-in-retirement.html\' >4 Tips to Stay Mentally Sharp in Retirement</a></h3><p>                                      These strategies can help improve memory as you age.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/30/what-your-spouse-should-know-about-your-investments.html\' >What Your Spouse Should Know About Your Investments</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Here\'s what couples should talk about.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/30/be-positive-and-get-a-job-faster.html\' >Be Positive and Get a Job Faster</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How keeping a positive attitude can help with your job search.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/30/retirees-increasingly-depending-on-social-security.html\' >Retirees Increasingly Depending on Social Security</a></h3><p>                                      Social Security is the largest source of retirement income for a growing share of Americans.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/29/7-real-world-fashion-tips-for-new-grads.html\' >7 Real-World Fashion Tips for New Grads</a></h3><p>                                      Recent grads should lose their college fashion habits when they step off campus for the final time.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/29/getting-to-know-bonds.html\' >Getting to Know Bonds</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      When interest rates rise, the price of existing bonds usually falls.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/29/4-benefits-of-a-surging-senior-population.html\' >4 Benefits of a Surging Senior Population</a></h3><p>                                      Why the aging of America is mostly a good thing for seniors.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/29/a-safe-and-affordable-retirement-spot-abroad.html\' >A Safe and Affordable Retirement Spot Abroad</a></h3><p>                                      Uruguay offers low-cost coastal and city living.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/29/10-mistakes-job-interviewers-make.html\' >10 Mistakes Job Interviewers Make</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s easy to flub an interview if you aren’t trained and prepared.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/29/the-10-most-difficult-retirement-decisions.html\' >The 10 Most Difficult Retirement Decisions</a></h3><p>                                      Before leaving your job, you’ll need to make these tough choices.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/26/inflation-is-lowright.html\' >Inflation Is Low…Right?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It sure doesn\'t seem that way.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/26/how-to-minimize-your-exposure-to-inflation.html\' >How to Minimize Your Exposure to Inflation</a></h3><p>                                      Stockpiling items and investing help consumers fight inflation risks.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/26/reasons-to-put-landlord-agreements-in-writing.html\' >Reasons to Put Landlord Agreements in Writing</a></h3><p>                                      Costly misunderstandings often come out of verbal agreements.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/08/26/how-to-get-financially-ready-for-a-hurricane.html\' >How to Get Financially Ready for a Hurricane</a></h3><p>                                      Many homeowners don’t know what their insurance policy covers, and end up over-paying for repairs.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/26/skillset-vs-mindset-which-will-get-you-the-job.html\' >Skillset vs. Mindset: Which Will Get You the Job?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      There’s a debate going on among career experts about which is more important.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/25/is-it-a-good-time-to-buy-real-estate.html\' >Is It a Good Time to Buy Real Estate?</a></h3><p>                                      The answer has more to do with the buyer than the market.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/25/6-ways-you-stay-limited-and-stuck-in-your-career.html\' >6 Ways You Stay Limited and Stuck in Your Career</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      If you don\'t take risks and ask questions, you may not move forward in your career.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/08/25/former-cop-finds-side-gig-success.html\' >Former Cop Finds Side-Gig Success</a></h3><p>                                      After frustrations with long hours, Joe Cain built his own business instead.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/25/how-to-manage-your-investment-anxiety.html\' >How to Manage Your Investment Anxiety</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Focus on the long term during market turmoil.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/25/why-americans-should-focus-more-on-saving-less-on-investing.html\' >Why Americans Should Focus More on Saving, Less on Investing</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How much you have matters more than how fast it grows.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/25/3-lessons-from-the-sell-off.html\' >3 Lessons From the Sell-Off</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Look abroad, diversify and know your goals.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/25/what-my-sabbatical-taught-me-about-retirement.html\' >What My Sabbatical Taught Me About Retirement</a></h3><p>                                      My practice retirement showed me I’m ready to exit my corporate job.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/25/a-hollow-defense-of-actively-managed-funds.html\' >A Hollow Defense of Actively Managed Funds</a></h3><p>                                      Financial experts debate the merits of paying a fund manager to attempt to beat the markets.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/25/how-to-apply-for-a-job-when-youre-overqualified.html\' >How to Apply for a Job When You\'re Overqualified</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It\'s best to be honest and have a good, solid reason for not moving on in your career.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/24/pat-summit-at-59-takes-on-alzheimers.html\' >Pat Summitt, at 59, Takes on Alzheimer\'s</a></h3><p>                                      Tennessee coach is an instant beacon for early detection, research, and public awareness.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/24/the-earthquakes-hidden-financial-lessons.html\' >The Earthquake’s Hidden Financial Lessons</a></h3><p>                                      Think you\'re safe? Think again.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/24/understanding-the-impact-of-poverty.html\' >Understanding the Impact of Poverty</a></h3><p>                                      With hard times affecting Americans, here’s a way to see the reality of being poor.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/08/24/sf-fed-baby-boomer-retirement-may-sink-stock-market.html\' >SF Fed: Baby Boomer Retirement May Sink Stock Market</a></h3><p>                                      A new report warns that population aging may slow the pace of recovery.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/24/4-tips-for-401k-participants--.html\' >4 Tips for 401(k) Participants  </a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How to best use the most popular retirement plan during any market.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/24/why-you-shouldnt-abandon-social-security.html\' >Why You Shouldn\'t Abandon Social Security</a></h3><p>                                      Young people have a lot to gain by paying into the system.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/24/five-things-you-can-do-to-land-the-interview.html\' >5 Things You Can Do to Land the Interview</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Networking and internal referrals account for the majority of job offers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/24/how-to-save-on-back-to-school-shopping.html\' >How to Save on Back-to-School Shopping</a></h3><p>                                      Parents say they want to spend less this year. Here’s a guide to cutting back.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/23/how-to-green-your-kitchen.html\' >How to Green Your Kitchen</a></h3><p>                                      Strategies for making your kitchen more environmentally-friendly on a budget.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/08/23/which-e-reader-has-the-best-customer-service.html\' >Which E-Reader has the Best Customer Service?</a></h3><p>                                      Amazon ranks last and the iPad comes in first.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/23/the-job-search-is-your-responsibility.html\' >The Job Search Is Your Responsibility</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      You\'ll have help on the job hunt, but the real work lies with you.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/23/6-ways-to-boost-happiness-at-60.html\' >6 Ways to Boost Happiness at 60</a></h3><p>                                      Most people actually get happier as they get older.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/23/for-investors-patience-pays.html\' >For Investors, Patience Pays</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Investors able to keep a cool head can profit from stock market volatility.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/23/6-ways-to-insulate-your-portfolio-from-shocks.html\' >6 Ways to Insulate Your Portfolio from Shocks</a></h3><p>                                      Financial experts suggest these strategies for weathering the financial storm.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/23/are-gold-mining-stocks-set-to-take-off.html\' >Are Gold Mining Stocks Set to Take Off?</a></h3><p>                                      So far this year, mining stocks have lagged behind the soaring price of gold.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/22/11-ways-to-make-clothes-last-longer.html\' >11 Ways to Make Clothes Last Longer</a></h3><p>                                      Minimize stains and get smart about laundry to double the life expectancy of your favorite outfits.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/22/how-to-conduct-a-long-distance-job-search.html\' >How to Conduct a Long-Distance Job Search</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Helpful tips on how to land a job before you move.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/22/is-it-time-to-rethink-your-mutual-fund-picks.html\' >Is It Time to Rethink Your Mutual Fund Picks?</a></h3><p>                                      Why investors trade too often and for the wrong reasons.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/22/retirement-costs-in-13-countries-compared.html\' >Retirement Costs in 13 Countries Compared</a></h3><p>                                      Here is how much it costs to retire in some of the world’s top retirement havens.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/22/3-reasons-to-invest-in-dividend-paying-stocks.html\' >3 Reasons to Invest in Dividend-Paying Stocks</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Adding dividend-paying stocks to your portfolio helps reduce volatility.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/22/why-your-retirement-may-not-be-permanent.html\' >Why Your Retirement May Not Be Permanent</a></h3><p>                                      Consider these increasingly popular alternative paths to retirement.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/19/when-diy-ends-up-costing-extra.html\' >When DIY Ends Up Costing Extra</a></h3><p>                                      Sometimes, calling in the pros can save money and prevent catastrophes.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/19/some-debit-cards-will-soon-carry-fees.html\' >Some Debit Cards Will Soon Carry Fees</a></h3><p>                                      How to avoid paying extra as banks change their policies.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/19/why-you-should-take-a-retirement-test-drive.html\' >Why You Should Take a Retirement Test Drive</a></h3><p>                                      My practice retirement taught me I’m not ready to retire.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/08/19/401k-savers-who-stuck-with-stocks-saw-gains.html\' >401(k) Savers Who Stuck With Stocks Saw Gains</a></h3><p>                                      Investors who didn’t pull out of the stock market in 2008 and 2009 now have bigger balances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/19/get-ready-for-2012-social-security-medicare-changes.html\' >Get Ready for 2012 Social Security, Medicare Changes</a></h3><p>                                      The Social Security COLA will rise next year, but so will insurance premiums for basic Medicare.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/19/comfort-vs-fashion-what-should-women-wear-to-work.html\' >Comfort vs. Fashion: What Should Women Wear to Work?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Tips for showing off your professional side in the office.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/19/are-more-real-estate-foreclosures-coming.html\' >Are More Real Estate Foreclosures Coming?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Lower home prices and less expensive credit are providing an incentive for many buyers to step into today\'s market.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/19/learn-to-live-on-less-and-retire-sooner.html\' >Learn to Live on Less and Retire Sooner</a></h3><p>                                      Saving half your income can help you to retire years earlier.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/19/are-net-zero-energy-houses-on-the-horizon.html\' >Are Net-Zero Energy Houses on the Horizon?</a></h3><p>                                      Builders are testing the best ways to increase energy efficiency without upping costs for consumers.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/19/why-investors-should-choose-cds-over-treasuries.html\' >Why Investors Should Choose CDs Over Treasuries</a></h3><p>                                      Many five-year CDs offer higher rates than the 10-year treasury bond.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/18/how-to-make-a-basic-budget.html\' >How to Make a Basic Budget</a></h3><p>                                      It doesn\'t need to be complicated to start saving you money.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/18/remember-the-law-of-compound-returns.html\' >Remember the Law of Compound Returns</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Management fees and taxes can take a big chunk out of your investment returns.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/18/employers-make-telecommuting-work-for-your-company.html\' >Employers: Make Telecommuting Work for Your Company</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Here\'s why you should offer this perk to your employees—and how to do it.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/18/confront-market-volatility-with-serenity.html\' >Confront Market Volatility with Serenity</a></h3><p>                                      Why you should ignore financial news when making long-term investment decisions.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/18/tips-on-tips-treasury-inflation-protected-securities.html\' >Tips on TIPS: Treasury Inflation Protected Securities</a></h3><p>                                      Inflation remains low, but concern about future price levels has stoked demand for TIPS.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/18/how-to-evaluate-your-risk-tolerance.html\' >How to Evaluate Your Risk Tolerance</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      How determining your risk preference can make you a better investor.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/18/5-ways-to-overcome-job-search-frustration.html\' >5 Ways to Overcome Job-Search Frustration</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Rather than letting that frustration fester, put it to good use.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/18/9-tips-for-picking-an-affordable-place-to-retire.html\' >9 Tips for Picking an Affordable Place to Retire</a></h3><p>                                      Relocating to a low-cost retirement spot could improve your retirement finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/17/how-to-talk-to-your-landlord.html\' >How to Talk to Your Landlord</a></h3><p>                                      For renters, a good relationship with a landlord can save money, time, and stress.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/08/17/do-single-people-need-life-insurance.html\' >Do Single People Need Life Insurance?</a></h3><p>                                      People without spouses or children are increasingly stocking up on life insurance, but should they?                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/08/17/average-retirement-age-grows.html\' >Average Retirement Age Grows</a></h3><p>                                      Workers are retiring at older ages because they have fewer incentives to retire.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/17/3-arguments-for-delaying-retirement.html\' >3 Arguments for Delaying Retirement</a></h3><p>                                      A better understanding of delaying retirement has caused people to keep working and defer Social Security.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/17/6-tips-to-make-your-retirement-stash-last.html\' >6 Tips to Make Your Retirement Stash Last</a></h3><p>                                      These strategies will help your retirement savings last throughout your lifetime.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/17/how-to-control-risk-in-a-volatile-market.html\' >How to Control Risk in a Volatile Market</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Pay attention to how much risk you\'re taking on as well as your asset allocation.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/17/3-investment-opportunities-in-this-crazy-market.html\' >3 Investment Opportunities in this Crazy Market</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      High-yield bonds, agricultural commodities, and Japan all look interesting.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/17/4-networks-job-seekers-should-know-about.html\' >4 Networks Job Seekers Should Know About</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      These networks can help you attract the right audiences for your skills and accomplishments.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/17/mastering-the-new-freelance-economy.html\' >Mastering the New Freelance Economy</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      More and more workers are opting to work for themselves, even if it’s just on the side.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/17/take-charge-of-your-professional-development.html\' >Take Charge of Your Professional Development</a></h3><p>                                      Tips for helping yourself grow, even without your company’s support.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/17/whos-worse-off-europe-or-the-united-states.html\' >Who\'s Worse Off: Europe or the United States?</a></h3><p>                                      Experts say European policy makers have more players to appease in their debt-crisis drama.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/16/getting-a-good-deal-on-investment-property.html\' >Getting a Good Deal on Investment Property</a></h3><p>                                      Trying to decide whether to buy? These ideas will help.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/16/are-your-skills-really-transferable.html\' >Are Your Skills Really Transferable?</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Even if your skills are transferable, that might not be enough in a tough job market.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/16/can-you-prevent-alzheimers-disease.html\' >Can You Prevent Alzheimer’s Disease?</a></h3><p>                                      Some behaviors may reduce your risk of developing dementia.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/16/5-points-to-remember-when-the-market-is-volatile.html\' >5 Points to Remember When the Market is Volatile</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Avoid making too many changes to your portfolio during big drops in the market.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/16/tips-for-breaking-up-with-a-job.html\' >Tips for Breaking Up With a Job</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Whether you\'re breaking up with a boyfriend or a job, it\'s never easy to do.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/16/keep-your-ex-spouse-from-ruining-your-credit.html\' >Keep Your Ex-Spouse from Ruining Your Credit</a></h3><p>                                      Divorce can often lead to money meltdowns, but these strategies can help minimize the fallout.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/16/4-things-investors-can-learn-from-fairholme-funds-struggles.html\' >4 Things Investors Can Learn From Fairholme Fund\'s Struggles</a></h3><p>                                      The once-mighty Fairholme has lost about 22 percent so far in 2011.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/15/6-ways-lack-of-sleep-is-costing-you-a-fortune.html\' >6 Ways Lack of Sleep is Costing You a Fortune</a></h3><p>                                      Losing shut-eye doesn\'t just feel bad; it costs you money.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/alpha-consumer/2011/08/15/how-one-travel-blogger-funds-her-adventures.html\' >How One Travel Blogger Funds Her Adventures</a></h3><p>                                      Amanda Williams earns enough from her blog to pay for a career break while she travels and returns to school.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/15/one-move-could-boost-your-retirement-security.html\' >One Move Could Boost Your Retirement Security</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Moving to a more affordable neighborhood could rescue your retirement finances.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/15/seniors-are-saying-no-to-high-tech.html\' >Seniors Are Saying No to High Tech</a></h3><p>                                      Digital communications devices are expensive and not intuitive or welcoming to older users                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/15/an-emerging-pacific-coast-retirement-spot.html\' >An Emerging Pacific Coast Retirement Spot</a></h3><p>                                      This low-cost stretch of Panama coastline is beautiful and remote.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/15/5-ways-to-gauge-investment-risk.html\' >5 Ways to Gauge Investment Risk</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Using a variety of measures can give you a more complete picture of risk in your portfolio.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/15/get-rave-reviews-from-your-boss.html\' >Get Rave Reviews from Your Boss</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      No need to suck up if you have awesome work habits.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/articles/money/2011/08/15/what-the-latest-fed-policy-means-for-your-money.html\' >What the Latest Fed Policy Means for Your Money</a></h3><p>                                      Two more years of low rates means savers will continue to be punished.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/my-money/2011/08/12/how-to-make-home-appliances-last-longer.html\' >How to Make Home Appliances Last Longer</a></h3><p>                                      Dishwashers, washing machines, and other pricey appliances can last up to twice as long with these tips.                                     </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-best-life/2011/08/12/near-zero-interest-rates-good-bad-and-ugly.html\' >Near-Zero Interest Rates: Good, Bad, and Ugly</a></h3><p>                                      Fed plan to keep rates low for two more years saves taxpayers money, but costs investors and consumers                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/planning-to-retire/2011/08/12/traditional-pensions-hit-record-low.html\' >Traditional Pensions Hit Record Low</a></h3><p>                                      Workers at companies that once had pensions get a bigger 401(k) match.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/On-Retirement/2011/08/12/4-tips-to-slow-down-in-retirement.html\' >4 Tips to Slow Down in Retirement</a></h3><p>                                      After decades of striving to get ahead, adjusting to a relaxed pace can be difficult.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/outside-voices-careers/2011/08/12/5-reasons-youll-benefit-from-helping-a-mentee.html\' >5 Reasons You’ll Benefit from Helping a Mentee</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      It sounds like an obligation, but serving as a mentor has its benefits, too.                                    </p></div><div class="subwidget "><h3><a href=\'http://www.usnews.com/blogs/the-smarter-mutual-fund-investor/2011/08/12/5-topics-to-discuss-with-your-financial-adviser.html\' >5 Topics to Discuss With Your Financial Adviser</a></h3><div class="text-image-left"><!-- Widget Image --></div><p>                                      Talking to a professional can help keep you grounded in times of market volatility.                                    </p></div><div class="subwidget last"><h3><a href=\'http://www.usnews.com/articles/money/2011/08/12/how-to-deal-with-a-gap-on-your-resume.html\' >How to Deal with a Gap on Your Resume</a></h3><p>                                      If you want to take time away from the workforce, be smart about showcasing it on your resume.                                    </p></div></div></div>');